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IndiGo Kotak Credit Card

The IndiGo Kotak Credit Card by Kotak Mahindra Bank is designed for frequent travelers. It offers up to 19 BluChips per ₹100 spent on IndiGo transactions, travel vouchers worth up to 10,000 BluChips annually, and 2% BluChips on dining and entertainment, with a first-year fee of ₹1,500 plus taxes.

IndiGo Kotak Credit Card

About the IndiGo Kotak Credit Card

Kotak Mahindra Bank has partnered with IndiGo Airlines to offer two co-branded credit cards: IndiGo Kotak and IndiGo Kotak XL. These cards are exclusively available to IndiGo BluChip members, allowing them to earn rewards in the form of BluChips, the loyalty points of the IndiGo BluChip program. This program replaces the earlier IndiGo 6E Rewards scheme, and existing Kotak IndiGo 6E Rewards cardholders are expected to transition to the new IndiGo cards according to their eligibility.

The IndiGo Kotak Credit Card is the standard variant, offering up to 19 BluChips for every ₹100 spent on IndiGo flights. Dining and entertainment expenses also earn additional BluChips. Cardholders can receive vouchers worth up to 10,000 BluChips through welcome, renewal, and milestone benefits. Designed for frequent travelers and loyal IndiGo flyers, the card focuses on maximizing rewards for travel-related spending.

Note: This card is not sold through Paisabazaar.com. For applying or learning more, visit the official Kotak Mahindra Bank website.

Rewards Program

The Kotak IndiGo Credit Card allows cardholders to earn IndiGo BluChips on every Rs. 100 spent as follows:

  • Earn up to 19 IndiGo BluChips on IndiGo flight bookings:

    • 8 BluChips for being an IndiGo BluChip member

    • 3 BluChips for payments made with the Kotak IndiGo Credit Card

    • 4 BluChips for booking via the IndiGo app or website

    • Up to 4 extra BluChips based on your IndiGo BluChip Tier level

  • Dining & entertainment: Earn 2 BluChips per Rs. 100 spent, with no limit

  • Other purchases: Earn 1 BluChip per Rs. 100 spent, including UPI payments (for RuPay cardholders)

  • Redemption: Accumulated BluChips can be used to book IndiGo flights via your IndiGo BluChip account

Other Features & Benefits

Apart from earning IndiGo BluChips on regular spends, the Kotak IndiGo Credit Card offers cardholders up to 4 BluChip vouchers per year:

  • Welcome Bonus: Voucher equivalent to 2,500 IndiGo BluChips

  • Milestone Rewards:

    • 2,500 BluChips for annual spends of Rs. 1.25 lakh

    • 2,500 BluChips for annual spends of Rs. 2.5 lakh

    • 2,500 BluChips for annual spends of Rs. 6 lakh

  • Renewal Benefit: Voucher worth 2,500 BluChips on payment of annual fee

IndiGo Kotak Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IndiGo Kotak Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 1,500 + applicable taxes
Finance Charges 3.75% per month (45% per annum)
Late Payment Charges
On outstanding balance of –
Up to Rs. 100 Nil
More than Rs. 100 to Rs. 500 Rs. 100
More than Rs. 500 to Rs. 1,000 Rs. 500
More than Rs. 1,000 to Rs. 5,000 Rs. 600
More than Rs. 5,000 to Rs. 10,000 Rs. 750
More than Rs. 10,000 to Rs. 25,000 Rs. 900
More than Rs. 25,000 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

IndiGo BluChip Tier Benefits

Given below are IndiGo BluChip benefits that Kotak IndiGo Credit Card users can avail as per their tier status, where Blu 3 is the base tier and Blu 1 is the highest:

Particulars Blu 3 Blu 2 Blu 1
Tier Upgrade/ Retention - Annual spends of Rs. 1 lakh on IndiGo flights and a min. of 4 IndiGo flights in a year Annual spends of Rs. 2 lakh on IndiGo flights and a min. of 8 IndiGo flights in a year
Bonus BluChips on IndiGo Flights - 2 IndiGo BluChips per Rs. 100 spent 4 IndiGo BluChips per Rs. 100 spent
Bonus BluChips on Codeshare Flights - 2 IndiGo BluChips per Rs. 100 spent 4 IndiGo BluChips per Rs. 100 spent
Bonus BluChips on select 6E Add-ons on IndiGo Flights - 2 IndiGo BluChips per Rs. 100 spent 4 IndiGo BluChips per Rs. 100 spent
6E Prime Passes 0 20 40
Discount on Seat Selection/ Excess Baggage/ Fast Forward 10% 20% 30%

Things to Know Before Applying

Who Should Consider This Card:

  • Frequent flyers who usually travel with IndiGo

  • IndiGo BluChip members seeking a co-branded travel card to boost rewards

  • Those who can use welcome, renewal, and milestone BluChip vouchers within 6 months of issuance before they expire

Steps to Close IndiGo Kotak Credit Card

If you want to close your IndiGo Kotak Credit Card, it is important to follow the proper process set by Kotak Mahindra Bank to ensure a smooth and hassle-free cancellation.

Close via Customer Care

You can start the closure process by contacting Kotak customer support

  • Call the Kotak credit card helpline: 1860 266 0811
  • Request the customer care executive to initiate your credit card closure
  • Provide required details such as
  • Last four digits of your credit card
  • Registered mobile number
  • Basic verification details

Follow the instructions given by the representative to complete your request

Close by Visiting a Branch

You can also visit your nearest Kotak Mahindra Bank branch

  • Submit a written application requesting closure of your credit card
  • Provide valid identity proof and card details for verification
  • The bank staff will assist you with the remaining process

Important Points to Remember

  • Ensure all outstanding dues, including EMIs, interest, and charges, are fully paid
  • Redeem any available reward points before closing the card, as they may expire afterward
  • Stop using the card immediately after submitting the closure request
  • Cancel all auto-debits, subscriptions, or standing instructions linked to the card
  • Ask for confirmation through SMS or email once the closure is completed

After Card Closure

  • Destroy the physical card by cutting it across the chip and magnetic strip
  • Check your credit report after a few weeks to confirm the status is updated as “Closed”
  • Report any mismatch or issue to the bank immediately

IndiGo Kotak Credit Card Helpline Number

If you need assistance related to your IndiGo Kotak Credit Card, you can contact the customer support team of Kotak Mahindra Bank. They offer support for billing queries, payments, card blocking, and other credit card-related services.

Customer Care Numbers

You can reach Kotak credit card support using the following numbers

These helpline numbers can be used for various services such as billing queries, card closure requests, and reporting lost or stolen cards.

City-Wise Customer Care Numbers

If you are unable to connect through the main helplines, you can try city-specific numbers

  • Ahmedabad: (079) 66006022
  • Bangalore: (080) 66006022
  • Chennai: (044) 66006022
  • Hyderabad: (040) 66006022
  • Mumbai: (022) 66006022
  • New Delhi: (011) 66006022
  • Pune: (020) 66006022

Services Available

  • Assistance with credit card billing and statement-related queries
  • Help with payments and outstanding balance information
  • Support for reporting lost or stolen cards
  • Card blocking, replacement, or upgrade requests
  • Guidance for credit card closure or cancellation

Important Points

  • Keep your registered mobile number and card details ready for verification
  • Do not share confidential details such as OTP, PIN, or CVV
  • Always note your complaint or reference number for tracking
  • Call charges may apply depending on your telecom service provider

FAQs

Do IndiGo BluChip vouchers have an expiry?

Yes, all BluChip vouchers must be used within 6 months from the date they are issued.

Applicants must be 18 years or older and enrolled in the IndiGo BluChip program.

The default membership tier in the IndiGo BluChip program is Blu 3.

BluChips are loyalty points under IndiGo’s BluChip program. Members earn them on eligible spends and can redeem them for IndiGo flight bookings, complimentary services, and discounts. The program offers tier-based benefits, lifetime validity of points, and no blackout dates.

Yes, the 6E Rewards program has been phased out and replaced by the IndiGo BluChip program. Kotak Mahindra Bank now offers two new co-branded cards – IndiGo and IndiGo XL. Existing 6E Rewards cards will continue to function under their original terms until further notice.