IndiGo Kotak Premium Credit Card
Kotak Mahindra Bank · Checked 2026-10-17
The premium IndiGo option raises the fee and concentrates more value in BluChips, milestones and travel privileges.
CardIQ editorial view
Our take
The premium IndiGo option raises the fee and concentrates more value in BluChips, milestones and travel privileges.
Who it suits
- Frequent IndiGo flyers able to reach the published milestones.
- Travellers who will use the included lounge benefit.
Key strengths
- Up to 21 IndiGo BluChips per ₹100 on eligible IndiGo bookings.
Trade-offs to understand
- The ₹3,000 annual fee requires consistent IndiGo use.
- Reward value and bonus-voucher validity remain tied to the IndiGo programme.
CardIQ verdict
Choose the premium variant only when the additional BluChips, milestones and lounge use clearly exceed the extra fee.
Compare before deciding
- IndiGo Kotak Credit Card — Compare the lower-fee variant before paying for premium benefits.
- Kotak Air+ — Compare a less airline-specific travel currency.
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Benefits, limits and conditions
- Welcome benefit includes 4,000 IndiGo BluChips and a 6E Eats voucher.
- Spend milestones can provide vouchers worth up to 16,000 IndiGo BluChips.
- The premium variant adds airport-lounge benefits; issuer conditions and reward exclusions apply.