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IndiGo · Co-branded
IndiGo Credit Cards in India 2026
Best credit cards for IndiGo BluChip rewards — HDFC IndiGo Ka-ching + Kotak IndiGo XL with airline-specific perks.
HDFC IndiGo Ka-Ching Credit Card and Kotak IndiGo XL Credit Card both pay accelerated BluChips on IndiGo bookings — Ka-Ching pays 3% on IndiGo (3 BluChips per ₹100), 2% on dining/grocery, 1% elsewhere; Kotak XL pays 6X BluChips per ₹100 on IndiGo (~6%), 2X on dining/groceries. Both come with a complimentary IndiGo BluChip welcome bonus. Ka-Ching has a ₹500 annual fee; XL has ₹2,500 — for >₹50K annual IndiGo spend the XL economics win, below that Ka-Ching is the sweet spot. BluChips redeem 1:1 on IndiGo bookings (1 BluChip = ₹1 off any IndiGo fare) — simple, no transfer ratios.
Ka-Ching: 3% IndiGo, 2% dining; XL: 6% IndiGo, 2% dining. BluChips 1:1.
IndiGo BluChips (1 BluChip = ₹1 on IndiGo flights)
BluChips redeem only on IndiGo. Not transferable to other airlines. If your routes don't have IndiGo coverage, the points sit. Ka-Ching ₹500 fee waiver at ₹1L spend; XL ₹2,500 fee never waived.
Skip this card if…
- Annual IndiGo spend below ₹15K — neither card's economics justify
- You fly Vistara/Air India more — these BluChips are stranded
- Kotak XL ₹2,500 fee is never waived; confirm IndiGo spend first