← Part of Kotak Credit Cards in India
The IndiGo Kotak Credit Card, launched in partnership with IndiGo Airlines, offers two co-branded variants for frequent flyers in India. These cards now reward users with IndiGo BluChips, replacing the older 6E Rewards program, with an 18% conversion bonus for existing cardholders by October 3, 2025.
| Parameter | Details |
|---|---|
| Card Name (Base Variant) | IndiGo Kotak Co-Branded Credit Card (formerly Kotak IndiGo Ka-ching 6E Rewards) |
| Card Name (Premium Variant) | IndiGo Kotak Co-Branded Credit Card – Premium Variant (formerly Kotak IndiGo Ka-ching 6E Rewards XL) |
| Issuing Bank | Kotak Mahindra Bank (established 1985, received RBI banking license 2003) |
| Airline Partner | IndiGo Airlines (InterGlobe Aviation Limited) |
| Reward Program | IndiGo BluChips (replaces 6E Rewards program as of 2025) |
| Base Variant Annual Fee | ₹1,500 + GST |
| Premium Variant Annual Fee | ₹3,000 + GST |
| Base Variant Welcome Benefit | 2,500 IndiGo BluChips Voucher (worth ₹1,500+GST) |
| Premium Variant Welcome Benefit | 4,000 IndiGo BluChips Voucher and 6E Eats Voucher (worth ₹3,000+GST) |
| 6E Rewards to BluChips Conversion Bonus | 18% bonus for existing Kotak 6E Rewards cardholders (by October 3, 2025) |
| IndiGo BluChips Value Back (UPI Spends) | 2.2% for 13,500 IndiGo BluChips |
| 6E Rewards Validity | Up to 24 months from accrual date (for Kotak IndiGo co-branded cards) |
| Welcome Benefits Validity | 6 months from card issuance date |
| Eligibility Age (Primary Applicant) | 21 years to 65 years (Indian citizens) |
| Complimentary Domestic Lounge Access (Premium Variant) | Twice per quarter at select airports in India |
| IndiGo Corporate Office Pin Code | 122 002 |
| Kotak Bank Website Downtime (Scheduled) | June 28, 2026 (01:00 AM – 05:00 AM) and May 25, 2026 (01:00 AM – 05:00 AM) |
These co-branded cards are designed for IndiGo loyalists, offering accelerated BluChips on flight bookings and everyday spending categories like dining and entertainment.
IndiGo Kotak Credit Card Variants
Kotak Mahindra Bank offers two primary co-branded credit card variants with IndiGo: the IndiGo Kotak Co-Branded Credit Card and its Premium Variant. These cards integrate with IndiGo’s new BluChip loyalty program, replacing the older 6E Rewards system as of October 2025.
| Card Variant | Key Features | Welcome Benefit |
|---|---|---|
| IndiGo Kotak Co-Branded Credit Card | Earn up to 19 BluChips per ₹100 on IndiGo bookings, 2 BluChips on dining & entertainment, and 1 BluChip on other spends. BluChips are redeemable for IndiGo flights and services. This card does not offer complimentary airport lounge access or a lower forex markup. | 2,500 IndiGo BluChips Voucher (with ₹1,500 + GST joining fee) |
| IndiGo Kotak Co-Branded Credit Card – Premium Variant (also known as IndiGo Kotak XL Credit Card) | Earn up to 21 BluChips per ₹100 on IndiGo flight bookings, 3 BluChips on dining & entertainment, and 2 BluChips on other spends. Includes 8 complimentary domestic lounge accesses per year (2 per quarter). Milestone rewards offer up to 16,000 IndiGo BluChips annually. | 4,000 IndiGo BluChips Voucher and 6E Eats Voucher (with ₹3,000 + GST joining fee) |
| Kotak IndiGo Ka-ching 6E Rewards Credit Card (Discontinued for new applications) | This base variant offered 3% value-back on IndiGo spends, 2% on dining, entertainment, and grocery, and 1% on other spends, all in 6E Rewards. Existing cardholders were migrated to new BluChip cards by October 2025. | Free air ticket and complimentary add-on service voucher worth up to ₹2,599 (valid for 6 months from issuance) |
| Kotak IndiGo Ka-ching 6E Rewards XL Credit Card (Discontinued for new applications) | A premium variant offering 6% reward on IndiGo spends and 2% on dining, grocery, and entertainment in 6E Rewards. Benefits included lounge access, priority meals, and baggage assistance. Existing users were migrated to new BluChip cards. | IndiGo airline ticket voucher (value not specified in available data) |
| IndiGo SBI Card | Earn 3 BluChips per ₹100 spent on IndiGo bookings. Offers lounge access benefits. This card is part of SBI Cards’ co-branded offerings with IndiGo. | Up to 10,000 bonus BluChips annually as renewal and milestone benefits. |
| 6E Rewards IndiGo HDFC Bank Credit Card | Offers 3% 6E Rewards on dining, groceries, and entertainment, and 2% on all other expenses (excluding wallet re-load and fuel). Includes 8 free lounge visits in India via Mastercard Lounge program. | ₹3,000 complimentary IndiGo ticket voucher (after 3+ transactions per month for the first 3 months) |
The transition from the 6E Rewards program to IndiGo BluChips by October 2025 ensures all new co-branded cards from Kotak Mahindra Bank align with IndiGo’s updated loyalty structure.
IndiGo Kotak Credit Card: Rewards & Fees
The IndiGo Kotak Credit Card and its premium XL variant offer distinct reward structures and fee schedules for 2026. Both cards provide IndiGo BluChips on spends, with accelerated earnings on IndiGo flights, dining, entertainment, and groceries.
| Metric | IndiGo Kotak Card | IndiGo Kotak XL Card |
|---|---|---|
| Joining Fee (as of 2026) | ₹1,500 + GST | ₹3,000 + GST |
| Annual Fee (as of 2026) | ₹1,500 + GST | ₹3,000 + GST |
| Welcome Benefit Voucher | 2,500 IndiGo BluChips Voucher (worth ₹2,500) | 4,000 IndiGo BluChips Voucher (worth ₹4,000) & 6E Eats Voucher |
| Rewards on IndiGo Spends | Up to 19 BluChips per ₹100 | Up to 21 BluChips per ₹100 |
| Rewards on Dining, Entertainment, Grocery | 2 BluChips per ₹100 | 2 BluChips per ₹100 |
| Rewards on Other Spends | 1 BluChip per ₹100 (base rate) | 1 BluChip per ₹100 (base rate) |
| Milestone Benefit (e.g., on ₹6 lakh annual spend) | Vouchers worth up to 10,000 IndiGo BluChips | Vouchers worth up to ₹16,000 IndiGo BluChips |
| BluChips Validity | 24 months (extended with card activity) | 24 months (extended with card activity) |
| Joining/Annual Fee for former 6E Rewards XL cardholders (migrated) | ₹1,500 | Not applicable (this is the base card) |
| Joining/Annual Fee for former 6E Rewards cardholders (migrated) | ₹700 (until card’s expiry) | Not applicable (this is the base card) |
| Migration Fee (October 2025) | Levied for October ’25 upon migration to new card | Levied for October ’25 upon upgrade from 6E Rewards card |
The IndiGo Kotak Credit Cards offer a structured rewards program, with the XL variant providing higher welcome benefits and accelerated BluChips on IndiGo spends, justifying its higher annual fee.
How to Apply for IndiGo Kotak Card
Applying for an IndiGo Kotak Credit Card is a straightforward process, primarily available online through Kotak Mahindra Bank’s official channels. Indian citizens aged 21 to 65 years with a steady income source are eligible to apply.
- Check Eligibility: Ensure you meet the primary criteria: Indian citizenship, age between 21 and 65 years, and a stable income. Add-on cardholders must be 18 years or older.
- Gather Documents: Prepare KYC documents such as your PAN Card, Aadhaar card, Driver’s License, Passport, or Voter’s ID. Any other government-approved photo ID proof is also accepted.
- Online Application: Visit the official Kotak Mahindra Bank website or use their mobile banking app. Locate the IndiGo Kotak Credit Card section and click on “Apply Now.”
- Fill Application Form: Complete the online application form with accurate personal, financial, and employment details. This includes your name, address, income, and occupation.
- Upload Documents: Digitally upload the required documents as prompted by the application portal. Ensure all scanned copies are clear and legible.
- Submit Application: Review all entered information for accuracy before submitting the application. You will receive an application reference number for tracking.
- Verification Process: Kotak Mahindra Bank will conduct a verification process, which may include a CIBIL score check and an income verification.
- Card Activation: Upon approval, your card will be dispatched. Activate your IndiGo Kotak Co-Branded Credit Card by giving a missed call to 7669010000 from your registered mobile number, or follow the instructions in your welcome kit.
The application process is designed for convenience, allowing most steps to be completed digitally from home.
IndiGo Kotak Card: Key Benefits
The IndiGo Kotak Credit Cards offer various travel-centric benefits, primarily through the IndiGo BluChip loyalty program. Cardholders earn BluChips on everyday spending and accelerated rewards on IndiGo flights, dining, and entertainment.
These benefits include welcome vouchers, milestone rewards, and complimentary airport lounge access on premium variants, the travel experience for frequent IndiGo flyers.
- IndiGo BluChips Earning: The base IndiGo Kotak Credit Card offers up to 19 BluChips per ₹100 spent on IndiGo flights, with accelerated earnings on dining and entertainment. The XL variant provides up to 21 BluChips per ₹100 on IndiGo bookings.
- Welcome & Milestone Vouchers: The IndiGo Kotak Credit Card (base variant) provides up to 10,000 IndiGo BluChips as welcome, renewal, and milestone benefits. The XL variant offers a 4,000 IndiGo BluChips voucher and a 6E Eats voucher as a welcome benefit.
- Complimentary Lounge Access: The IndiGo Kotak XL Credit Card offers 8 domestic lounge accesses per year, with a limit of 2 visits every quarter. The base variant does not include complimentary lounge access.
- BluChip Program Migration: Existing Kotak 6E Rewards cardholders received an 18% bonus on their 6E Rewards balance when IT converted to IndiGo BluChips by October 3, 2025. This bonus was exclusive to help the transition to the new loyalty program.
- RuPay Variant Benefits: The RuPay variant of both the IndiGo Kotak Credit Card and the XL variant offers 1 to 2 IndiGo BluChips per ₹100 spent on UPI transactions, excluding specific merchant categories.
- Milestone BluChips: The IndiGo Kotak Credit Card offers up to 7,500 IndiGo BluChips annually through milestone benefits, including vouchers for spending ₹1.25 lakh, ₹2.50 lakh, and ₹6.00 lakh within an anniversary year.
- 6E Eats Voucher: The IndiGo Kotak Co-Branded Credit Card-Premium Variant includes a 6E Eats Voucher as part of its welcome benefits, alongside 4,000 IndiGo BluChips.
These benefits are designed to provide significant value-back for individuals who frequently travel with IndiGo, making the cards a strong option for airline loyalty.
IndiGo Kotak vs HDFC IndiGo Cards
Both Kotak Mahindra Bank and HDFC Bank offer co-branded IndiGo credit cards, providing travel benefits for frequent flyers. The Kotak IndiGo cards, including the base and XL variants, offer up to 21 IndiGo BluChips per ₹100 spent on IndiGo flights, while HDFC IndiGo cards provide competitive 6E Rewards.
As of 2026, the IndiGo Kotak Credit Card (base variant) has an annual fee of ₹1,500 + GST, compared to the 6E Rewards IndiGo HDFC Bank Credit Card’s annual fee of ₹700.
| Feature | IndiGo Kotak Card | HDFC IndiGo Card | IndiGo IDFC FIRST Card |
|---|---|---|---|
| Joining/Annual Fee (Base Variant) | ₹1,500 + GST | ₹700 (annual fee) | ₹4,999 + GST |
| Joining/Annual Fee (XL/Premium Variant) | ₹3,000 + GST | ₹1,500 (for 6E Rewards XL card) | ₹4,999 + GST |
| Welcome Benefit (Base Variant) | 2,500 IndiGo BluChips Voucher (worth ₹1,500+GST) | Not specified | 5,000 BluChips, free IndiGo meal voucher, 3-month EazyDiner membership |
| Welcome Benefit (XL/Premium Variant) | 4,000 IndiGo BluChips Voucher and 6E Eats Voucher (worth ₹3,000+GST) | ₹3,000 complimentary IndiGo ticket voucher (6E Rewards XL) | 5,000 BluChips, free IndiGo meal voucher, 3-month EazyDiner membership |
| Value-back on IndiGo Spends (Base Variant) | Up to 19 BluChips per ₹100 (approx. 3%) | 3% (6E Rewards) | Up to 22 BluChips per ₹100 |
| Value-back on Dining, Grocery, Entertainment | Accelerated BluChips (base variant), 2% return (XL variant) | 2% (6E Rewards) | Not specified |
| Lounge Access | Not on base variant; complimentary on Premium/XL variants (2 per quarter) | 8 free lounge visits in India (6E Rewards XL) | Lack of lounge access |
| Forex Markup Fee | 3.5% | Not specified | 1.49% |
| Loyalty Program | IndiGo BluChip Program | 6E Rewards Program (migrated to BluChip) | IndiGo BluChip Program |
| Migration Bonus (for former 6E Rewards cardholders) | 18% bonus on 6E Rewards balance converted to BluChips (by Oct 3, 2025) | Not specified | Not applicable |
The choice between Kotak and HDFC IndiGo cards often depends on the preferred issuer and specific benefits sought, with Kotak offering higher BluChips on IndiGo spends for its XL variant.
IndiGo BluChip Program Explained
IndiGo BluChip is IndiGo’s new loyalty program, replacing the previous 6E Rewards program for Kotak co-branded credit cardholders. All benefits, including BluChips and vouchers, are credited to a customer’s BluChip account, registered with their mobile number and email ID.
Existing Kotak 6E Rewards cardholders received an 18% bonus on their converted 6E Rewards balance, credited as BluChips by October 3, 2025.
- BluChip Earnings: Cardholders earn IndiGo BluChips on every swipe, with accelerated earnings on IndiGo flight bookings and spends on dining and entertainment.
- Welcome Benefits: The IndiGo Kotak Co-Branded Credit Card offers a 2,500 IndiGo BluChips Voucher as a welcome bonus (with a ₹1,500 + GST fee).
- Premium Variant Benefits: The IndiGo Kotak Co-Branded Credit Card – Premium Variant provides 4,000 IndiGo BluChips Voucher and a 6E Eats Voucher as welcome benefits (with a ₹3,000 + GST fee).
- Voucher Redemption: Earned BluChips and vouchers can be redeemed against future IndiGo flight bookings, reducing travel costs.
- Account Activation: New cardholders can activate their IndiGo Kotak Co-Branded Credit Card by giving a missed call to 7669010000 from their registered mobile number.
The BluChip program is designed for IndiGo loyalists, offering d rewards and exclusive travel perks through the co-branded Kotak credit cards.
IndiGo Kotak Card: Eligibility
To apply for an IndiGo Kotak Credit Card in 2026, applicants must be Indian citizens aged between 21 and 65 years. A steady source of income is also a key requirement for approval.
- Age Criteria: Primary cardholders must be 21 to 65 years old. Add-on cardholders can be 18 years or older.
- Citizenship: Applicants must be residents of India.
- Income Stability: A consistent and verifiable source of income is for credit card approval.
- Required Documents: Key documents include a PAN Card, Aadhaar card, and a government-approved photo ID proof like a Driver’s License or Passport.
- Address Proof: Valid address proofs such as a Voter’s ID, Passport, or utility bills may be required during the application process.
- Credit History: While not explicitly stated, a healthy CIBIL score (typically 700+) can significantly improve approval chances for any credit card.
Meeting these criteria helps ensure a smoother application process for the IndiGo Kotak Credit Card variants.
Key Takeaways
- IndiGo Kotak Credit Cards are primarily for Indian citizens aged 21-65 years with a stable income.
- Both the base and XL variants share the same core eligibility requirements for primary and add-on cardholders.
- documents include PAN, Aadhaar, and other government-issued ID/address proofs.
Check your eligibility and apply for the IndiGo Kotak Credit Card directly on the Kotak Mahindra Bank official website.
Frequently Asked Questions (FAQs)
What are the welcome benefits for the IndiGo Kotak Credit Card in 2026?
As of 2026, the IndiGo Kotak Co-Branded Credit Card offers a 2,500 IndiGo BluChips Voucher as a welcome bonus upon paying the ₹1,500 + GST joining fee. The premium variant, the IndiGo Kotak Co-Branded Credit Card – Premium Variant, provides 4,000 IndiGo BluChips and a 6E Eats Voucher for a ₹3,000 + GST fee. These benefits are designed to kickstart your travel savings with IndiGo.
How do I earn IndiGo BluChips with my Kotak Credit Card?
You earn IndiGo BluChips on every swipe with your IndiGo Kotak Credit Card. Specifically, you can earn up to 19 BluChips for every ₹100 spent on IndiGo flights. Accelerated BluChips are also awarded for dining, entertainment, and everyday purchases, making IT a versatile card for earning travel rewards.
What is the eligibility criteria for the Kotak IndiGo Ka-ching 6E Rewards Credit Card?
Indian citizens aged between 21 and 65 years are eligible to apply for the Kotak IndiGo Ka-ching 6E Rewards Credit Card. Applicants must also meet Kotak Mahindra Bank’s internal income and credit score requirements, typically a CIBIL score of 750 or higher for optimal approval chances. Employment status, whether salaried or self-employed, also plays a role in the bank’s assessment.
What is the difference between the Kotak IndiGo Ka-ching 6E Rewards and 6E Rewards XL cards?
The Kotak IndiGo Ka-ching 6E Rewards is the base variant, offering 3% value-back on IndiGo spends and 2% on dining, entertainment, and grocery. The 6E Rewards XL is the premium variant, providing d benefits like higher BluChips earning rates and additional travel perks. Both cards are designed for IndiGo loyalists, with the XL variant offering more extensive rewards for frequent flyers.
How long are IndiGo BluChips valid for redemption?
IndiGo BluChips accrued using the Kotak IndiGo co-branded credit cards are valid for redemption for up to 24 months from the date of accrual. Welcome benefits, such as free air tickets and add-on service vouchers, typically have a shorter validity of 6 months from the card issuance date. IT is important to redeem BluChips within their validity period to avoid forfeiture.
Can I use my IndiGo Kotak Credit Card for non-travel expenses?
Yes, you can use your IndiGo Kotak Credit Card for non-travel expenses and still earn BluChips. While the card offers accelerated rewards on IndiGo flights, IT also provides 2% value-back on dining, entertainment, and grocery spends. A base rate of 1% is earned on other general spending categories, making IT suitable for everyday purchases.
How do I activate my IndiGo Kotak Co-Branded Credit Card?
You can activate your IndiGo Kotak Co-Branded Credit Card by giving a missed call to 7669010000 from your registered mobile number. Alternatively, follow the specific activation instructions provided in your welcome kit. Prompt activation ensures you can start earning IndiGo BluChips and utilizing card benefits immediately.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.