IndiGo Credit Card Comparison India (2026): 6E BluChips, Lounge & Fees
IndiGo co-branded credit cards allow frequent flyers to accumulate 6E BluChips on flight tickets, dining, and daily expenses, redeemable for domestic and international flight seats and meal vouchers. Here is the full side-by-side comparison of IndiGo cards issued by Axis, Kotak, and IDFC.
Key Factors to Compare in INDIGO Cards
- Flight BluChips Earn Rate: Base variants earn 3 BluChips per ₹100 on IndiGo flights, while Premium and Elite variants earn up to 6-7 BluChips per ₹100.
- Welcome & Renewal BluChips: Annual fees on IndiGo cards are largely offset by welcome BluChips (1,200 to 5,000 BluChips) credited each year upon fee payment.
- Airport Lounge Quotas: Base variants provide 4 domestic lounge visits per year, while Premium and ELITE variants provide up to 8 domestic and 2 to 6 international lounge visits.
Side-by-Side Comparison Matrix
| Feature | IndiGo Axis Bank Credit Card | IndiGo Axis Bank Premium Credit Card | IndiGo Kotak Credit Card | IndiGo Kotak XL Credit Card | IndiGo IDFC FIRST Credit Card |
|---|---|---|---|---|---|
| Joining/Annual Fee | ₹799 | ₹5,000 | ₹700 | ₹1,500 | ₹4,999 |
| Welcome Benefit | 1,200 BluChips | 5,000 BluChips + 6E Eats voucher | 1,500 BluChips | 3,000 BluChips | 5,000 BluChips + 6E Eats voucher |
| Annual Fee Waiver Spends | N/A | N/A | N/A | N/A | N/A |
| Domestic Lounge Visits | 4 visits/year (1 per quarter) | 8 visits/year (max 2 per quarter) | 4 visits/year (1 per quarter) | 8 visits/year (2 per quarter) | 16 visits/year (4 per quarter) |
| Spends for Lounge | ₹50K in previous quarter | Complimentary | Complimentary | Complimentary | ₹20K in previous calendar month |
| Dining & Grocery Spends | 2 BluChips per ₹100 | 3 BluChips per ₹100 | 2 BluChips per ₹100 | 3 BluChips per ₹100 | 3 BluChips per ₹100 |
| Forex Markup | 3.50% | 3.50% | 3.50% | 3.50% | 1.49% |
| IndiGo Spends | 3 BluChips per ₹100 | 7 BluChips per ₹100 | 3 BluChips per ₹100 | 6 BluChips per ₹100 | Up to 22 BluChips per ₹100 |
| International Lounge Visits | - | 2 visits/year (via Priority Pass) | - | - | 4 visits/year (via Priority Pass) |
| Milestone Benefits | Up to 2,400 BluChips annually | Up to 25,000 BluChips annually | Up to 2,000 BluChips annually | Up to 5,000 BluChips annually | Up to 25,000 BluChips annually |
| Other Spends | 1 BluChip per ₹100 | 2 BluChips per ₹100 | 1 BluChip per ₹100 | 1.5 BluChips per ₹100 | 3 BluChips per ₹100 |
| UPI Spends | - | - | 1 BluChip per ₹100 | - | 0.5 BluChips per ₹100 |
| Notes | Annual renewal fee payment gives 1,200 BluChips benefit. Spends on fuel, utilities, rent, and insurance are excluded from rewards. | Annual renewal fee payment gives 5,000 BluChips benefit. Welcome benefit voucher is valid for 6 months. | RuPay variant supports UPI payments. Earning points on UPI requires RuPay network. | Currently restricted/discontinued for new applicants (existing cardholders retain terms). | Can be obtained Lifetime Free (₹0 joining/annual fee) against a ₹1 Lakh Fixed Deposit. UPI spends supported via the RuPay variant. |
Frequently Asked Questions
- What is the monetary value of 1 IndiGo BluChip?
- 1 IndiGo BluChip is worth up to ₹1 when redeemed against flight ticket bookings on the official IndiGo website and mobile app.
- Which bank issues the best IndiGo credit card?
- Axis Bank, Kotak Mahindra Bank, and IDFC FIRST Bank issue IndiGo cards. IndiGo Axis Premium is popular for high flight earners, while IndiGo IDFC FIRST offers dual networks and ultra-low 1.49% forex markup.
- Do IndiGo BluChips expire?
- IndiGo BluChips are valid for 24 months from the date they are credited to your 6E Rewards profile.