IndiGo Kotak vs IndiGo SBI Credit Card

Updated on March 11, 2026

Author: MybankingTips Team

Airline credit cards are popular among frequent travellers because they offer benefits like airline rewards, lounge access, and travel privileges. Two popular co-branded options with IndiGo are the IndiGo Kotak Credit Card and the IndiGo SBI Credit Card. Both cards allow users to earn IndiGo BluChips that can be redeemed for flight bookings and other IndiGo services.

Both cards have a similar annual fee and reward structure, but their benefits differ in areas such as milestone rewards and lounge access. In this comparison, we will analyse these two airline credit cards in India based on joining benefits, rewards, milestone benefits, and lounge access.

Joining and Renewal Benefits

Joining benefits provide immediate value when you apply for a credit card.

Feature	IndiGo Kotak Credit Card	IndiGo SBI Credit Card
Joining Fee	₹1,500 + GST	₹1,499 + GST
Welcome Benefit	2,500 IndiGo BluChips voucher	2,500 IndiGo BluChips
Renewal Benefit	2,500 IndiGo BluChips voucher every year	Not Available

The IndiGo Kotak Credit Card offers both welcome and renewal benefits, while the IndiGo SBI Credit Card mainly focuses on travel perks such as lounge access.

Milestone Benefits

Milestone benefits help users earn additional BluChips when they reach certain spending levels.

Annual Spend	IndiGo Kotak Credit Card	IndiGo SBI Credit Card
₹1.25 Lakh	2,500 BluChips	—
₹2 Lakh	—	2,500 BluChips
₹2.5 Lakh	2,500 BluChips	—
₹4 Lakh	—	2,500 BluChips
₹6 Lakh	2,500 BluChips	2,500 BluChips

The IndiGo Kotak Credit Card offers milestones at slightly lower spending levels, making it easier for moderate spenders to earn rewards.

Reward Structure

Both cards reward users with IndiGo BluChips for their spending, which can be redeemed for flights, seat selection, and other IndiGo services.

Spending Category	IndiGo Kotak Credit Card	IndiGo SBI Credit Card
IndiGo Website/App Bookings	3 BluChips per ₹100	3 BluChips per ₹100
Dining & Entertainment	2 BluChips per ₹100	Not Available
Travel & Hotel Bookings	—	2 BluChips per ₹100
Other Spends	1 BluChip per ₹100	1 BluChip per ₹100

Both cards offer a similar reward rate for IndiGo bookings. The IndiGo Kotak Credit Card provides extra rewards on dining and entertainment, while the IndiGo SBI Credit Card offers rewards on travel-related spending.

Airport Lounge Access

Airport lounge access is a key benefit for frequent travellers.

Feature	IndiGo Kotak Credit Card	IndiGo SBI Credit Card
Domestic Lounge Access	Not Available	1 visit per quarter on ₹50,000 spend
International Lounge Access	Not Available	Not Available

The IndiGo SBI Credit Card has a slight advantage because it offers limited domestic lounge access after meeting the quarterly spending requirement.

Bottom Line

Both the IndiGo Kotak Credit Card and the IndiGo SBI Credit Card offer similar annual fees and airline rewards. The IndiGo Kotak Credit Card is better for users who want easier milestone benefits and renewal rewards.

On the other hand, the IndiGo SBI Credit Card can be a better option for travellers who value even limited airport lounge access and travel-related rewards. The final choice depends on your spending habits and which benefits matter most to you.