IndiGo Kotak Credit Card vs IndiGo Axis Bank Credit 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: 0.5% at ₹1,500/yr against 0.5% at ₹799/yr.
Head to head
| IndiGo Kotak Credit Card | Metric | IndiGo Axis Bank Credit Card |
|---|---|---|
| #60 — wins this row | Our rank | #78 |
| ₹1,500/yr | Fee — joining · annual (+ GST) | ₹799/yr — wins this row |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST |
| not published | APR | not published |
| 0.5% | Headline earn rate | 0.5% |
| IndiGo BluChip | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| 2,500 IndiGo BluChips voucher on fee payment (6-month validity) — and 2,500 more on every renewal | Welcome benefit | 1,200 IndiGo BluChips voucher on fee payment — still doubled to 2 × 1,200 BluChips plus a 6E Eats voucher for anyone applying through 31 Aug 2026 |
| 0 of 789 | Lounge doors opened | 17 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 Credit Card and IndiGo Axis Bank Credit Card are both open to a direct application. How people actually get IndiGo Kotak 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 Kotak Credit Card out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
IndiGo Kotak Credit Card leads at all 20 steps, but not by the same amount: ₹1,249 at ₹0.25L a month, ₹2,499 at ₹5L — the gap fans out with spend, widest at ₹0.5L (₹2,499).
IndiGo Kotak Credit Card draws above the line, IndiGo Axis Bank Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo Kotak Credit Card | IndiGo Axis Bank Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,110 | ₹2,861 | IndiGo Kotak Credit Card by ₹1,249 |
| ₹0.5L | ₹7,220 | ₹4,721 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹0.75L | ₹9,080 | ₹6,581 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹1L | ₹10,940 | ₹8,441 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹1.25L | ₹12,800 | ₹10,301 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹1.5L | ₹14,660 | ₹12,161 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹1.75L | ₹16,520 | ₹14,021 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹2L | ₹18,380 | ₹15,881 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹2.25L | ₹20,240 | ₹17,741 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹2.5L | ₹22,100 | ₹19,601 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹2.75L | ₹23,960 | ₹21,461 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹3L | ₹25,820 | ₹23,321 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹3.25L | ₹27,680 | ₹25,181 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹3.5L | ₹29,540 | ₹27,041 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹3.75L | ₹31,400 | ₹28,901 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹4L | ₹33,260 | ₹30,761 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹4.25L | ₹35,120 | ₹32,621 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹4.5L | ₹36,980 | ₹34,481 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹4.75L | ₹38,840 | ₹36,341 | IndiGo Kotak Credit Card by ₹2,499 |
| ₹5L | ₹40,700 | ₹38,201 | IndiGo Kotak Credit Card by ₹2,499 |
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 Credit Card · 5 more →
- 0.5% on general spend — the weakest base earn of any IndiGo co-brand we rank
- No lounge access at all, domestic or international
- 3.5% forex markup, no fuel-surcharge waiver, no travel or purchase insurance
IndiGo Axis Bank Credit Card · 3 more →
- 0.5% general earn — a loyalty card, not a rewards engine
- BluChips redeem only for IndiGo flights; our house value is ₹0.50/point
- 3.5% forex markup — punishing for any overseas spend
The call
For the ₹1L/month spender, IndiGo Kotak Credit Card nets ₹10,940 against ₹8,441 — a ₹2,499 gap. At ₹5L/month, IndiGo Kotak Credit Card nets ₹40,700 against ₹38,201 — a ₹2,499 gap. Lounge chasers: IndiGo Axis Bank Credit Card opens 17 of 789 tracked doors to IndiGo Kotak Credit Card's 0.
Our standing verdicts: IndiGo Kotak Credit Card — Downgrade; IndiGo Axis Bank Credit Card — Downgrade. On our board, IndiGo Kotak Credit Card sits at #60 to IndiGo Axis Bank Credit Card's #78 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo Kotak Credit Card or IndiGo Axis Bank Credit Card?
IndiGo Kotak Credit Card. It sits at #60 on our board to IndiGo Axis Bank Credit Card's #78. IndiGo Kotak Credit Card takes 4 of the 6 rounds we can score. IndiGo Kotak Credit Card out-earns IndiGo Axis Bank Credit Card at every spend level we model, from ₹25k to ₹5L a month.
IndiGo Kotak Credit Card or IndiGo Axis Bank Credit Card — which earns more at ₹3L a month?
At ₹3L a month, IndiGo Kotak Credit Card nets ₹25,820 against ₹23,321 — a ₹2,499 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 Credit Card or IndiGo Axis Bank Credit Card?
IndiGo Axis Bank Credit Card — ₹799/yr against ₹1,500/yr. IndiGo Kotak Credit Card waives its fee at no spend level — there is no waiver; IndiGo Axis Bank Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndiGo Kotak Credit Card or IndiGo Axis Bank Credit Card?
Lounge chasers: IndiGo Axis Bank Credit Card opens 17 of 789 tracked doors to IndiGo Kotak Credit Card's 0. 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 Credit Card on 2026-08-08, IndiGo Axis Bank Credit Card on 2026-08-15. 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.