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Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Reward Rate
21 BluChips/₹100 on IndiGo; 5 BluChips/₹100 on food/fuel/grocery; 1.5/₹100 others
Lounge Access
2 domestic per year
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 21 BluChips per ₹100 on IndiGo website/app bookings
  • 5 BluChips per ₹100 on food delivery, fuel & grocery
  • 1.5 BluChips per ₹100 on all other spends
  • BluChip vouchers redeemable for IndiGo flights
  • Up to ₹16,000 in BluChip vouchers in first year
  • 2 complimentary domestic lounge visits per year
  • Annual fee waiver on ₹2L spend
  • 1% fuel surcharge waiver
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Welcome & Joining Benefits
  • BluChip vouchers worth up to ₹16,000 in Year 1
Milestone Benefits
  • ₹2L annual spend → ₹1,000 annual fee waived
Pros & Cons

✓ Advantages

  • 21X on IndiGo — best IndiGo earning among Kotak cards
  • ₹16,000 welcome vouchers more than cover 1st year fee
  • 5X on food delivery — useful for daily spenders

✗ Disadvantages

  • BluChips locked to IndiGo only
  • 3.5% forex
  • Limited lounge (2/year)
Frequently Asked Questions
What are IndiGo BluChips?
BluChips are IndiGo's loyalty currency, redeemable for flight bookings, seat upgrades, 6E Prime add-ons, and other IndiGo services. They cannot be converted to cash or transferred to other programs.
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