IndiGo Kotak Premium Credit Card vs IndiGo SBI Card (2026)
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 1.0% at ₹3,000/yr against 0.5% at ₹1,499/yr.
Head to head
| IndiGo Kotak Premium Credit Card | Metric | IndiGo SBI Card |
|---|---|---|
| #50 — wins this row | Our rank | #59 |
| ₹3,000/yr | Fee — joining · annual (+ GST) | ₹1,499/yr — wins this row |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST |
| not published | APR | not published |
| 1.0% — wins this row | Headline earn rate | 0.5% |
| IndiGo BluChip | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| 4,000 IndiGo BluChips voucher + a 6E Eats voucher on fee payment — and the same 4,000 BluChips land again on every renewal | Welcome benefit | 2,500 IndiGo BluChips voucher after the annual fee is paid AND a first transaction inside 60 days of account opening; 2,500 BluChips again on every renewal, on fee payment alone |
| 17 of 789 | Lounge doors opened | 75 of 789 — wins this row |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndiGo Kotak Premium Credit Card and IndiGo SBI Card are both open to a direct application. How people actually get IndiGo Kotak Premium Credit Card is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IndiGo SBI Card wins under ₹0.5L/month; IndiGo Kotak Premium Credit Card takes over above it.
Where the lead changes hands
The lead changes hands at ₹0.5L a month: IndiGo SBI Card is ahead by ₹321 at ₹0.25L, IndiGo Kotak Premium Credit Card by ₹35,099 at ₹5L.
IndiGo SBI Card pays a renewal bonus whatever you spend, and IndiGo Kotak Premium Credit Card pays nothing to stay.
IndiGo Kotak Premium Credit Card draws above the line, IndiGo SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo Kotak Premium Credit Card | IndiGo SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹2,540 | ₹2,861 | IndiGo SBI Card by ₹321 |
| ₹0.5L | ₹8,080 | ₹7,221 | IndiGo Kotak Premium Credit Card by ₹859 |
| ₹0.75L | ₹13,620 | ₹9,081 | IndiGo Kotak Premium Credit Card by ₹4,539 |
| ₹1L | ₹19,160 | ₹10,941 | IndiGo Kotak Premium Credit Card by ₹8,219 |
| ₹1.25L | ₹22,700 | ₹12,801 | IndiGo Kotak Premium Credit Card by ₹9,899 |
| ₹1.5L | ₹26,240 | ₹14,661 | IndiGo Kotak Premium Credit Card by ₹11,579 |
| ₹1.75L | ₹29,780 | ₹16,521 | IndiGo Kotak Premium Credit Card by ₹13,259 |
| ₹2L | ₹33,320 | ₹18,381 | IndiGo Kotak Premium Credit Card by ₹14,939 |
| ₹2.25L | ₹36,860 | ₹20,241 | IndiGo Kotak Premium Credit Card by ₹16,619 |
| ₹2.5L | ₹40,400 | ₹22,101 | IndiGo Kotak Premium Credit Card by ₹18,299 |
| ₹2.75L | ₹43,940 | ₹23,961 | IndiGo Kotak Premium Credit Card by ₹19,979 |
| ₹3L | ₹47,480 | ₹25,821 | IndiGo Kotak Premium Credit Card by ₹21,659 |
| ₹3.25L | ₹51,020 | ₹27,681 | IndiGo Kotak Premium Credit Card by ₹23,339 |
| ₹3.5L | ₹54,560 | ₹29,541 | IndiGo Kotak Premium Credit Card by ₹25,019 |
| ₹3.75L | ₹58,100 | ₹31,401 | IndiGo Kotak Premium Credit Card by ₹26,699 |
| ₹4L | ₹61,640 | ₹33,261 | IndiGo Kotak Premium Credit Card by ₹28,379 |
| ₹4.25L | ₹65,180 | ₹35,121 | IndiGo Kotak Premium Credit Card by ₹30,059 |
| ₹4.5L | ₹68,720 | ₹36,981 | IndiGo Kotak Premium Credit Card by ₹31,739 |
| ₹4.75L | ₹72,260 | ₹38,841 | IndiGo Kotak Premium Credit Card by ₹33,419 |
| ₹5L | ₹75,800 | ₹40,701 | IndiGo Kotak Premium Credit Card by ₹35,099 |
Transfer reach
Both cards earn IndiGo BluChip, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
IndiGo Kotak Premium Credit Card · 5 more →
- The '21 BluChips per ₹100' headline is a stack — the CARD pays 5, and 21 needs IndiGo's top Blu 1 tier; a Blu 3 member gets 17
- 1% on general spend — a plain vanilla rate for a ₹3,000 fee
- 3.5% forex markup: this is a card for domestic IndiGo flying, not for travelling
IndiGo SBI Card · 2 more →
- 0.5% general earn; the IndiGo rate is only 1.5% (3 BluChips) — no better than the ₹799 Axis card on 6E fares
- BluChips redeem only for IndiGo flights — no transfer partners, unlike SBI MILES
- 3.5% forex markup
The call
For the ₹1L/month spender, IndiGo Kotak Premium Credit Card nets ₹19,160 against ₹10,941 — a ₹8,219 gap. At ₹5L/month, IndiGo Kotak Premium Credit Card nets ₹75,800 against ₹40,701 — a ₹35,099 gap. Lounge chasers: IndiGo SBI Card opens 75 of 789 tracked doors to IndiGo Kotak Premium Credit Card's 17.
Our standing verdicts: IndiGo Kotak Premium Credit Card — Keep; IndiGo SBI Card — Downgrade. On our board, IndiGo Kotak Premium Credit Card sits at #50 to IndiGo SBI Card's #59 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo Kotak Premium Credit Card or IndiGo SBI Card?
IndiGo Kotak Premium Credit Card. It sits at #50 on our board to IndiGo SBI Card's #59. IndiGo Kotak Premium Credit Card takes 5 of the 7 rounds we can score. IndiGo SBI Card wins under ₹0.5L/month; IndiGo Kotak Premium Credit Card takes over above it.
IndiGo Kotak Premium Credit Card or IndiGo SBI Card — which earns more at ₹3L a month?
At ₹3L a month, IndiGo Kotak Premium Credit Card nets ₹47,480 against ₹25,821 — a ₹21,659 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IndiGo Kotak Premium Credit Card or IndiGo SBI Card?
IndiGo SBI Card — ₹1,499/yr against ₹3,000/yr. IndiGo Kotak Premium Credit Card waives its fee at no spend level — there is no waiver; IndiGo SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndiGo Kotak Premium Credit Card or IndiGo SBI Card?
Lounge chasers: IndiGo SBI Card opens 75 of 789 tracked doors to IndiGo Kotak Premium Credit Card's 17. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: IndiGo Kotak Premium Credit Card on 2026-07-26, IndiGo SBI Card on 2026-08-08. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.