CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Kotak Mahindra Bank

IndiGo Kotak Premium Credit Card

50
Ranked #30 of 170 in credit
creditVisaMid-Travel-Cobrand

Kotak's IndiGo co-branded travel card offering never-expiring 6E Rewards points, complimentary IndiGo flight ticket vouchers, and 6E Prime travel add-ons — best suited for frequent IndiGo flyers.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value44/100 · weight 71%
≈ 2.20% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, education. Reward score is scaled by ×(1 − 0.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency87/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks27/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,500 + 18% GST
= ₹1,770 total
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Not detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints17.00%(17 pts @ ₹1.00)—17 BluChips/₹100 on IndiGo online bookings via IndiGo website/app (8 base + 5 card + 4 direct-booking); up to 21 with 4-BluChip tier bonus. ~17% effective at ₹1/BluChip. Non-IndiGo travel earns base 2 BluChips/₹100 via all_spends.
diningpoints3.00%(3 pts @ ₹1.00)—3 BluChips per ₹100 on dining & entertainment MCCs.
dining_offlinepoints2.00%(2 pts @ ₹1.00)—2% on dining/entertainment/grocery
all_spendspoints1.00%(1 pts @ ₹1.00)—1% base rate on other spends
rentpoints0.00%(0 pts @ ₹1.00)—No BluChips on rent (excluded MCC).
wallet_loadpoints0.00%(0 pts @ ₹1.00)—No BluChips on wallet loads (excluded MCC).
governmentpoints0.00%(0 pts @ ₹1.00)—No BluChips on government/tax payments (excluded MCC).
educationpoints0.00%(0 pts @ ₹1.00)—No BluChips on education (excluded MCC).
fuelpoints0.00%(0 pts @ ₹1.00)—No BluChips on fuel (excluded MCC).

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

FuelRentWallet loadingEducationGovernment paymentsCash advancesEMI transactionsOther excluded MCCs specified by Kotak

Welcome offer

IndiGo flight voucher worth Rs1,500 on annual fee payment; welcome tickets valid 6 months

Milestone benefits

Pros

  • Points never expire (unusual, most co-brand cards expire points)
  • direct redemption for IndiGo flights
  • complimentary 6E Prime add-ons (priority check-in, seat choice, meal, baggage assistance)
  • reasonable lounge access (8/yr)

Cons

  • Zero rewards on rent/wallet/government/education spends
  • value concentrated on IndiGo bookings specifically — weak for non-IndiGo flyers
  • note "IndiGo Kotak Premium" naming may overlap/conflict with "IndiGo Kotak Ka-ching 6E Rewards XL" — verify exact current product naming at application, as Kotak's IndiGo co-brand lineup has multiple similarly-named variants

What's inside

More benefits

  • 6E Prime travel add-ons

    Priority check-in, choice of seat, complimentary meal, quicker baggage assistance on IndiGo flights

    unlimited. IndiGo flight bookings

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:Not a highlighted benefit