The IndiGo Kotak Premium Credit Card is the higher tier of the Kotak and IndiGo co-branded range. The card earns 5 BluChips per Rs. 100 on IndiGo bookings, 3 per Rs. 100 on dining and entertainment and 2 per Rs. 100 on other spends, and with BluChip member earnings, the app booking bonus and tier bonuses the combined earn on a flight booking reaches up to 21 BluChips per Rs. 100. At Kotak's stated value of 1 BluChip equals Rs. 1 on fares, the card earn alone returns about 5 percent on IndiGo spends.
The Rs. 3,000 fee brings a joining voucher of 4,000 BluChips plus a 6E Eats voucher, repeated on renewal, and milestone vouchers of 4,000 BluChips each at annual spends of Rs. 1.5 lakh, Rs. 4 lakh, Rs. 7.5 lakh and Rs. 12 lakh, up to 16,000 BluChips a year. Unlike the base variant you also get 8 domestic lounge visits a year with no spend condition. There is still no fee waiver, the forex markup is a standard 3.5 percent, and categories like rent, utilities, education, insurance and wallet loads earn nothing.
Annual Fee (+ 18% GST)₹3,000 (₹3,540 incl. GST)
Fee WaiverNo spend based fee waiver. A renewal voucher of 4,000 IndiGo BluChips plus a 6E Eats voucher is given each year on payment of the annual fee.
Joining PerkVoucher of 4,000 IndiGo BluChips plus a 6E Eats voucher on payment of the joining fee
Primary Reward5 IndiGo BluChips per Rs. 100 spent on IndiGo channels from the card, stacking up to 21 BluChips per Rs. 100 with BluChip member, app booking and tier bonuses
Airport Lounge Access8 complimentary domestic lounge visits per year (maximum 2 per quarter) with no spend criteria, as confirmed in the Kotak card FAQs
Forex Markup3.5%
RuPay UPIYes — RuPay UPI enabled
Best ForFrequent IndiGo flyers who can use domestic lounge access and the milestone vouchers
What We Like
Highest card earn on IndiGo bookings at 5 BluChips per Rs. 100, stacking to up to 21 per Rs. 100
8 domestic lounge visits a year with no spend condition
Milestone vouchers of up to 16,000 BluChips a year plus 4,000 BluChips and a 6E Eats voucher on joining and renewal
RuPay variant available for UPI spends
Watch Out
No spend based annual fee waiver despite the Rs. 3,000 fee
Forex markup of 3.5 percent is not competitive for international use
Value depends entirely on flying IndiGo, since BluChips cannot be used elsewhere
MITC & Hidden Charges
Joining and annual fee Rs. 3,000 plus GST. Foreign currency markup 3.5 percent. No annual fee waiver at any spend level. Milestones of 4,000 BluChips at Rs. 1.5 lakh, Rs. 4 lakh, Rs. 7.5 lakh and Rs. 12 lakh of annual spends. Lounge access of 2 domestic visits per quarter with no eligibility criteria, per the Kotak IndiGo XL fees page FAQs and the official co-brand terms.
How is the Premium card better than the base IndiGo Kotak card?
It earns more BluChips (5 per Rs. 100 on IndiGo channels against 3), gives a bigger joining and renewal voucher of 4,000 BluChips plus a 6E Eats voucher, unlocks milestone vouchers up to 16,000 BluChips a year and adds 8 domestic lounge visits a year, which the base card does not have.
Is there any spend condition for lounge access?
No. Kotak states there is no eligibility criterion for lounge access on this card. You can take 2 domestic lounge visits per calendar quarter, up to 8 a year.
Is the Rs. 3,000 annual fee waived on high spends?
No, there is no spend based waiver. On paying the renewal fee you receive a voucher of 4,000 IndiGo BluChips and a 6E Eats voucher, which recovers a large part of the fee if you fly IndiGo.
Alternatives to Consider
SBI Card MILES
SBI Card
An entry travel card in the MILES family with flexible travel credits.
82/100✓ MITC verified
Annual Fee₹1,499 + GST
Reward2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other spends.
Lounge4 Domestic Lounge visits per year, plus 1 additional domestic lounge visit for every ₹1,00,000 spent. Priority Pass membership is included, with international visits on paid basis for this variant.
The premier choice for direct airline and hotel spend optimization.
96/100✓ MITC verified
Annual Fee₹5,000 + GST
Reward5 EDGE Miles per ₹100 on direct airline, hotel and Travel EDGE spends (only up to ₹2 lakh of travel spends per month; 2 per ₹100 beyond that, on OTA bookings and on all other spends)
LoungeTier-based: Silver 8 domestic + 4 international, Gold 12 domestic + 6 international, Platinum 18 domestic + 12 international visits per year