# IndiGo Kotak XL Credit Card

Kotak Mahindra Bank · Visa. ₹3,000 fee · 3.5% forex · 2 BluChips / ₹100 base.

community-verified · checked 4 July 2026 · Source: https://www.paisabazaar.com/kotak-mahindra-bank/indigo-kotak-xl-credit-card/

## How it earns (3)

- 2 BluChips / ₹100 base · ✓ official · checked 26 September 2026
- 5 BluChips/₹100 on IndiGo, plus 12 on the IndiGo channel and 4 for Blu1 tier (up to 21) · ✓ official · checked 26 September 2026
- 3 BluChips / ₹100 dining & entertainment · ✓ official · checked 26 September 2026

## On gift vouchers

- ₹82 back on a ₹10,000 voucher bought direct. · 2 BluChips / ₹100 base
- Vouchers for ACT Fibernet, Acko Insurance, BYJU'S, Dream11 and 22 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No BluChips: utility, education, wallet, rent, govt, insurance, gaming

## Milestones (4)

- BluChip voucher ~₹4,000 @ ₹1.5L annual spend · ₹1,800 at ₹1,50,000 spend per card year · verified · checked 4 July 2026
- BluChip voucher ~₹4,000 @ ₹4L annual spend · ₹1,800 at ₹4,00,000 spend per card year · verified · checked 4 July 2026
- BluChip voucher ~₹4,000 @ ₹7.5L annual spend · ₹1,800 at ₹7,50,000 spend per card year · verified · checked 4 July 2026
- BluChip voucher ~₹4,000 @ ₹12L annual spend (max ₹16K/yr) · ₹1,800 at ₹12,00,000 spend per card year · verified · checked 4 July 2026

## Lounges (1)

- 8 domestic visits a year (2 a quarter), after ₹60,000 spent the previous calendar quarter. No international lounge. · Domestic (DreamFolks) · domestic · 8 per year · checked 21 October 2026

## Transfer partners (1)

- ALL Reward Points · 6 : 1 · 24-48 hours · ✓ official · checked 17 July 2026

## Fees

- Annual fee: ₹3,000 + GST
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: IndiGo BluChip Miles · ₹0.45 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

---

Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/kotak-indigo-xl