What is the annual fee for IndiGo Kotak Credit Card - Base?

The annual fee for IndiGo Kotak Credit Card - Base is ₹1,500.

What is the joining fee for IndiGo Kotak Credit Card - Base?

The one-time joining fee for IndiGo Kotak Credit Card - Base is ₹1,500.

What are the rewards and benefits of IndiGo Kotak Credit Card - Base?

IndiGo Kotak Credit Card - Base earns points rewards. Reward rate ranges from 1% to 19%. You earn 1 points per ₹100 spent.

What lounge access benefits does IndiGo Kotak Credit Card - Base provide?

IndiGo Kotak Credit Card - Base provides 2 domestic lounge visits per quarter.

What is the eligibility criteria for IndiGo Kotak Credit Card - Base?

To be eligible for IndiGo Kotak Credit Card - Base, you need a minimum monthly income of ₹33,000.

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Kotak Mahindra Bank

IndiGo Kotak Credit Card - Base

Name: IndiGo Kotak Credit Card - Base
Brand: Kotak Mahindra Bank
Price: 1500 INR
Availability: InStock

Earn rewards and benefits with IndiGo Kotak Credit Card - Base.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

RuPay UPI Scan & Pay (88/100)

Best for: Frequent IndiGo flyers

Joining Fee

₹1,500

Annual Fee

₹1,500

Reward Rate (%)

1 – 19

Forex Markup

3.5%

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(0)

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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.

Very GoodScore / 100

Reward Power

35/35

Fee Value & ROI

18/25

Lounge & Perks

15/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Online Shopping

84/100

Travel & Lounge

82/100

Cashback Spends

75/100

Scoring 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

Up to 19 IndiGo BluChips per ₹100 on IndiGo flight bookings

2 BluChips per ₹100 on dining and entertainment

1 BluChip per ₹100 on other categories

Welcome voucher of 2,500 IndiGo BluChips

Milestone vouchers up to 7,500 IndiGo BluChips annually

IndiGo Kotak Credit Card - Base Rewards

How you earn back on every swipe

points

Reward type

1% – 19%

Earn rate

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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹1,500

Annual fee₹1,500

Interest rate (APR)42% – 45%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Forex markup3.5%

Fuel surcharge waiverNo

IndiGo Kotak Credit Card - Base Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

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

Metal Card

Contactless

UPI Linked

Annual Fee: ₹1,500

This card carries a fixed annual fee of ₹1,500. At ~19% estimated return, spending approximately ₹658/mo earns enough rewards to fully offset the annual fee.