Kotak Mahindra BankIndiGo Kotak Credit Card
Regular IndiGo flyers who can use BluChips and naturally reach the card's travel milestones without overspending.
- Annual fee
- ₹1,500 + applicable taxes
- Reviewed
- September 9, 2026
- Evidence
- 5 issuer sources
Maintained credit-card comparison
IndiGo Kotak Credit Card vs ixigo AU Credit Card
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
AU Small Finance Bankixigo AU Credit Card
Travel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
- Annual fee
- Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
- Reviewed
- September 11, 2026
- Evidence
- 3 issuer sources
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
bankingreference.info · Comparison research sheet
IndiGo Kotak Credit Card vs ixigo AU Credit Card
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/indigo-kotak-credit-card-vs-ixigo-au-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Decision checkpoints
Answer the questions that can actually change the choice.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
IndiGo Kotak Credit Card
Source review: September 9, 2026
Maintenance: Within the scheduled review window
5 attached sources. A review date is not a guarantee that terms have stayed unchanged.
ixigo AU Credit Card
Source review: September 11, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.
IndiGo Kotak Credit Card
- Annual fee
- ₹1,500 + applicable taxes
- Fee waiver
- No spend-based waiver captured in the reviewed Kotak fee schedule
ixigo AU Credit Card
- Annual fee
- Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
- Fee waiver
- If standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.
IndiGo Kotak Credit Card
- Reward rules
- Kotak currently advertises up to 19 IndiGo BluChips per ₹100 on IndiGo bookings; issuer T&Cs separately show card-level earn of 3% on IndiGo bookings, 2% on dining/entertainment and 1% on other eligible spends, plus milestone vouchers
Recorded cautions
- BluChip value is tied to the IndiGo ecosystem rather than cash.
- The headline 'up to' earn includes the broader IndiGo loyalty proposition; card-level earn rules should be read separately.
- The standard forex markup can offset value on overseas spending.
ixigo AU Credit Card
- Reward rules
- 2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
Recorded cautions
- The dedicated page currently advertises a limited-period lifetime-free offer while AU’s broader current card listing retains ₹999 standard annual/renewal pricing, so applicants should confirm which pricing state is shown at application.
- Domestic airport lounge access requires qualifying previous-quarter spend.
- Priority Pass usage within India is chargeable and international visits beyond the complimentary allowance incur charges.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.
IndiGo Kotak Credit Card
- Lounge conditions
- Not treated as a core lounge card in the reviewed current product material
- Forex costs
- 3.5% under the reviewed Kotak MITC's standard foreign-currency markup
- Eligibility
- Subject to Kotak Mahindra Bank underwriting and current IndiGo co-brand application criteria
ixigo AU Credit Card
- Lounge conditions
- Up to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
- Forex costs
- 0% forex markup on the reviewed dedicated product page
- Eligibility
- Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion
Shared research themes
Put the controlling card fields next to each other.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
On a small screen, scroll this table sideways. The factor column stays visible.
Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.
| Decision factor | IndiGo Kotak Credit Card | ixigo AU Credit Card |
|---|---|---|
| Joining fee | ₹1,500 + applicable taxes | Currently offered lifetime-free for a limited period on the dedicated product page; AU’s broader current card listing also publishes ₹999 as the standard ixigo AU annual/renewal fee outside the promotional state. |
| Annual fee | ₹1,500 + applicable taxes | Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies. |
| Fee waiver | No spend-based waiver captured in the reviewed Kotak fee schedule | If standard ₹999 annual pricing applies, AU’s current broader card listing publishes a ₹1 lakh annual retail-spend waiver for the next year; the dedicated product page currently advertises a limited-period lifetime-free offer. |
| Rewards | Kotak currently advertises up to 19 IndiGo BluChips per ₹100 on IndiGo bookings; issuer T&Cs separately show card-level earn of 3% on IndiGo bookings, 2% on dining/entertainment and 1% on other eligible spends, plus milestone vouchers | 2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms |
| Lounge | Not treated as a core lounge card in the reviewed current product material | Up to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass |
| Forex markup | 3.5% under the reviewed Kotak MITC's standard foreign-currency markup | 0% forex markup on the reviewed dedicated product page |
| Network | See current issued network | Visa / RuPay or current variant as offered |
| Eligibility / approval | Subject to Kotak Mahindra Bank underwriting and current IndiGo co-brand application criteria | Resident Indian; registered ixigo user; indicative age salaried 21–60 and self-employed 25–65; approval remains at AU Small Finance Bank discretion |
Know what can make either card unsuitable.
These cautions remain attached to the underlying card records instead of being converted into a score.
IndiGo Kotak Credit Card
- BluChip value is tied to the IndiGo ecosystem rather than cash.
- The headline 'up to' earn includes the broader IndiGo loyalty proposition; card-level earn rules should be read separately.
- The standard forex markup can offset value on overseas spending.
ixigo AU Credit Card
- The dedicated page currently advertises a limited-period lifetime-free offer while AU’s broader current card listing retains ₹999 standard annual/renewal pricing, so applicants should confirm which pricing state is shown at application.
- Domestic airport lounge access requires qualifying previous-quarter spend.
- Priority Pass usage within India is chargeable and international visits beyond the complimentary allowance incur charges.
Decision tools
Model the parts of the comparison that depend on your own usage.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Verify both cards from their own issuer evidence.
Each side keeps its own review date, source set and evidence state.
IndiGo Kotak Credit Card
Issuer documentTerms & conditionsFee / charge schedule
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗ixigo AU Credit Card
Issuer product pageIssuer product pageFee / charge schedule
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗First-party source appendix
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
IndiGo Kotak Credit Card
Reviewed September 9, 2026 · 5 attached first-party sources
- Issuer documenthttps://www.kotak.com/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2025/kotak-indigo-consumer-release-final-09-07-2025.pdf
- Terms & conditionshttps://images.kotak.com/bank/mailers/2025/files/Kotak%20IndiGo%20Credit%20Card%20TnC.pdf
- Fee / charge schedulehttps://www.kotak.com/content/dam/Kotak/files/english-rcas.pdf
- Terms & conditionshttps://www.kotak.com/en/terms-conditions/co-brand-credit-card.html
- Issuer product pagehttps://www.kotak.com/en/personal-banking/cards/credit-cards.html
ixigo AU Credit Card
Reviewed September 11, 2026 · 3 attached first-party sources
- Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards/ixigo-au-credit-card
- Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards
- Fee / charge schedulehttps://www.au.bank.in/pdf/zenith-credit-card/schedule-of-charges-cc.pdf