IndiGo Kotak Credit Card - Base
Earn rewards and benefits with IndiGo Kotak Credit Card - Base.
RuPay UPI Scan & Pay Fit Score
88/100
Joining Fee
₹1,500
Annual Fee
₹1,500
Reward Rate (%)
1 – 19
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
4/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IndiGo Kotak Credit Card - Base Benefits
IndiGo Kotak Credit Card - Base Rewards
How you earn back on every swipe
points
Reward type
1% – 19%
Earn rate
1
Points / ₹100
IndiGo Kotak Credit Card - Base Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Things to Keep in Mind
- No annual fee waiver
- No joining fee waiver
- UPI on RuPay card excludes specified MCCs
- Reward capping not mentioned in sources
Card Features
Annual Fee: ₹1,500
This card carries a fixed annual fee of ₹1,500. At ~1% estimated return, spending approximately ₹12,500/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IndiGo Kotak Credit Card - Base Eligibility
Employment type
Pros & Cons
- Excellent card for frequent IndiGo flyers
- Welcome and renewal benefits offset a large part of the annual fee
- Good earning rate on IndiGo bookings
- Multiple annual spend milestone rewards
- IndiGo BluChips are easy to redeem for flights and add-ons
- Complimentary 6E Prime travel benefits
- Reasonable annual fee for travel-focused users
- Good value within the IndiGo ecosystem
- No complimentary airport lounge access
- Rewards are largely locked to the IndiGo ecosystem
- Forex markup of around 3.5% is high
- Base reward rate on non-bonus spends is low
- Annual fee waiver is not available
- Reward value depends on IndiGo BluChips redemption
- Limited benefits for users who rarely fly IndiGo
- No golf, concierge, or premium lifestyle privileges
Quick Links
Data last updated 13 Aug 2026
Calculate your exact earnings with IndiGo Kotak Credit Card - Base
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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