Kotak Mahindra Bank, in partnership with IndiGo Airlines, has launched two new airline co-branded credit cards — the IndiGo Kotak Credit Card and the IndiGo Kotak XL Credit Card. These cards are designed for frequent IndiGo flyers and focus on earning accelerated IndiGo 6E Rewards (BluChips) on airline spends.
For a limited time, both cards are being offered as First Year Free (FYF) when applied for directly through IndiGo’s official platform. This makes the launch offer especially attractive for travellers who regularly fly with IndiGo.
One Year Free IndiGo Kotak Credit Cards Offer
Both IndiGo Kotak credit cards usually come with a joining fee. However, under the current promotion, the joining fee is waived for the first year, provided the application is made through the IndiGo website.
Do note that this is a First Year Free offer, and annual fees will apply from the second year onwards.
IndiGo Kotak Credit Card Overview
The IndiGo Kotak Credit Card is a co-branded travel credit card aimed at regular IndiGo passengers. The card carries an annual fee of ₹1,500 + GST from the second year onwards.
Cardholders earn IndiGo BluChips on their spending, which can be redeemed for flight bookings, seat selection, and add-on services with IndiGo.
While the card does not include airport lounge access or travel insurance, it still works well for users who primarily want to earn airline rewards without paying a high annual fee.
IndiGo Kotak XL Credit Card Overview
The IndiGo Kotak XL Credit Card is the premium variant in the lineup and comes with enhanced travel benefits and a higher reward rate.
Cardholders can earn up to 21 BluChips per ₹100 spent on IndiGo bookings. The card also offers 2 complimentary domestic airport lounge visits per quarter, making it more suitable for frequent travellers.
In addition, milestone benefits allow users to earn extra BluChips on higher annual spends, increasing the overall reward value for regular flyers.
Key Benefits of IndiGo Kotak XL Credit Card
- Higher BluChips earning on IndiGo spends
- Domestic airport lounge access every quarter
- Milestone-based bonus rewards
- Better overall value for frequent flyers
Bottom Line
The IndiGo Kotak Credit Card and IndiGo Kotak XL Credit Card are good options for travellers who frequently fly with IndiGo and want to earn airline-specific rewards. The limited-period First Year Free offer reduces the entry cost and makes these cards more appealing for first-time applicants.
However, since annual fees apply from the second year, users should evaluate whether their IndiGo travel frequency justifies keeping the card long term