IndiGo × Kotak Credit Card 2025
Save over ₹20,000+ every year with free flights + lounge access!
Best card for IndiGo flyers! Get 6% back as IndiGo points on all spends + complimentary annual ticket + 8 lounge visits + 6E Rewards XL status.
Perfect if you fly IndiGo 4+ times/year!
Why Choose IndiGo Kotak in 2025?
6% IndiGo points • Free annual ticket • 8 lounges • 6E XL status • 1.25% FYF • Low fee
Best for: Frequent IndiGo flyers, domestic travelers
Fee Waiver – ₹2,999 Fee Waived on ₹2.5L Spend
Card At a Glance
₹2,999 + GST
₹2,999 + GST (Waived on ₹2.5L)
6% IndiGo Points
Complimentary IndiGo Ticket
8 visits/year
0%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST (Waived on ₹2.5L spend) |
| Welcome Benefit | Complimentary IndiGo ticket (base fare) |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 0% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 6% as IndiGo points (1 point/₹17) on ALL spends
- Complimentary IndiGo ticket every year (base fare, all domestic routes)
- 6E Rewards XL membership (priority check-in, extra baggage)
- Points valid for 3 years
- 1 point = ₹0.85 for IndiGo flights
- No exclusions
Airport Lounge Access
8 complimentary domestic lounge visits per year
2 visits per quarter
No minimum spend required
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- Zero forex markup
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6% back as flight points | IndiGo only |
| Free annual IndiGo ticket | Base fare only (no taxes) |
| 0% forex markup | 8 lounge limit |
| 6E XL status benefits | ₹2,999 fee |
| Easy fee waiver | No international lounges |
| 8 lounge visits |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 720+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit Kotak website and select IndiGo Card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card + free ticket in 7 days
Final Verdict – Should You Get It in 2025?
Best for IndiGo loyalists! Free ticket (₹4,000 value) + 6% points + 0% forex = ₹15,000+ annual value. Perfect if you fly IndiGo regularly!
Frequently Asked Questions (FAQs)
What is free ticket worth?
Base fare of any domestic IndiGo flight (₹3,000-₹5,000 value).
6% points on all spends?
Yes! 1 point per ₹17 on EVERY transaction.
Zero forex markup?
Yes! Perfect for international travel.
How many lounges?
8 domestic visits/year (2/quarter).
6E XL status benefits?
Priority check-in, extra baggage, seat selection.