IndiGo Kotak Premium Credit Card
Kotak Mahindra Bank
Last verified: 3 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
IndiGo Flight Bookings on the IndiGo Website and Mobile App | 8.5% | No cap |
Dining and Restaurants (MCC 5811 Caterers, 5812 Eating Places and Restaurants, 5813 Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques, 5814 Fast Food Restaurants) | 1.5% | No cap |
Movies and Cinema (MCC 7829 Motion Picture and Video Tape Production and Distribution, 7832 Motion Picture Theaters, 7833 Express Payment Service – Motion Picture Theaters, 7841 DVD/Video Tape Rental Stores) | 1.5% | No cap |
Events and Live Entertainment (MCC 7922 Ticket Agencies and Theatrical Producers (Except Motion Pictures), 7929 Bands, Orchestras, and Miscellaneous Entertainers (Not Elsewhere Classified)) | 1.5% | No cap |
Sports, Gyms and Membership Clubs (MCC 7941 Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters, 7992 Public Golf Courses, 7997 Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses) | 1.5% | No cap |
Amusement Parks and Attractions (MCC 7991 Tourist Attractions and Exhibits, 7996 Amusement Parks, Circuses, Carnivals, and Fortune Tellers, 7998 Aquariums, Seaquariums, Dolphinariums, and Zoos, 7999 Recreation Services (Not Elsewhere Classified)) | 1.5% | No cap |
Arcades and Indoor Games (MCC 7932 Billiard and Pool Establishments, 7933 Bowling Alleys, 7993 Video Amusement Game Supplies, 7994 Video Game Arcades/Establishments) | 1.5% | No cap |
Dance and Performing Arts Classes (MCC 7911 Dance Halls, Studios and Schools) | 1.5% | No cap |
| All other spends | 1% | No cap |
Managed via IndiGo website, IndiGo mobile app
Live Offers
20 activeBenefits
Lounge Access
2 domestic visits/quarter
0 international visits/quarter
2 complimentary domestic lounge visits per calendar quarter, 8 per year, with no spend criterion — Kotak's FAQ states there is no eligibility condition. Primary cardholder only. The card must be validated at entry by a ₹2 swipe. Visits beyond the quota are charged at lounge-specific rates. No international lounge access; Kotak discontinued Priority Pass issuance in June 2023 and this card is not on the international list.
Fuel Surcharge Waiver
Not applicable
Welcome Benefit
Voucher worth 4,000 IndiGo BluChips
6E Eats voucher
Annual Benefit
Renewal voucher worth 4,000 IndiGo BluChips on payment of the annual fee
6E Eats voucher on payment of the annual fee
The renewal voucher is a genuine recurring benefit, not a fee waiver — this card has no spend-based waiver at all. It is credited within 45 days of the payment due date of the statement carrying the annual fee, and only if that fee is actually paid: cardholders on a waived fee are ineligible (T&C 6.2, 6.3). Valued at ₹1 per BluChip, the voucher offsets ₹4,000 of the ₹3,000 fee, but only against IndiGo base fare, only on a single one-way booking, and any unused balance on that booking is forfeited (T&C 8.4, 8.6, 8.12). The 6E Eats voucher value is not disclosed and is excluded from annual_benefit_value.
Milestone Benefits
Not every spend counts toward these targets — see what is excluded.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹3,000/yr |
| Renewal Fee | ₹3,000/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn, subject to a minimum of ₹500 |
| Reward Redemption Fee | None |
| Min Income Eligibility | Not published for this card; Kotak's general credit card norm is approximately ₹3,00,000 annual income for salaried applicants, age 21-65 years, resident Indian |
Spends That Don’t Count
Kotak leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.
Excluded from milestone spends
Toward the milestone targets above
- EducationCoaching, College fees, Online courses, School fees
- Everything elseHome services, Rent, Society maintenance, Tax and government fees, Wallet top-ups
- InsuranceHealth, Motor, Other cover
- SubscriptionsAI tools, Cloud storage, Gaming
- TravelForex card loads
- UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water
