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 MakeMyTrip ICICI Bank Credit Card
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
ICICI BankMakeMyTrip ICICI Bank Credit Card
Travelers who frequently book through MakeMyTrip and want a published 0.99% forex markup with merchant-linked travel rewards.
- Annual fee
- ₹999 + GST
- 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.
littleden.blog · Comparison research sheet
IndiGo Kotak Credit Card vs MakeMyTrip ICICI Bank Credit Card
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/indigo-kotak-credit-card-vs-makemytrip-icici-bank-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.
MakeMyTrip ICICI Bank 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
MakeMyTrip ICICI Bank Credit Card
- Annual fee
- ₹999 + GST
- Fee waiver
- Annual fee waived for the next year on spends over ₹3 lakh
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.
MakeMyTrip ICICI Bank Credit Card
- Reward rules
- Up to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition
Recorded cautions
- myCash is a travel-platform reward currency rather than cash.
- The fee waiver requires ₹3 lakh annual spend.
- Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter; international access is capped separately at 1 complimentary visit annually.
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
MakeMyTrip ICICI Bank Credit Card
- Lounge conditions
- 2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder.
- Forex costs
- 0.99% foreign-currency markup
- Eligibility
- Reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or annual income of ₹2.4 lakh if self-employed; approval remains with ICICI Bank
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 | MakeMyTrip ICICI Bank Credit Card |
|---|---|---|
| Joining fee | ₹1,500 + applicable taxes | ₹999 + GST |
| Annual fee | ₹1,500 + applicable taxes | ₹999 + GST |
| Fee waiver | No spend-based waiver captured in the reviewed Kotak fee schedule | Annual fee waived for the next year on spends over ₹3 lakh |
| 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 | Up to 6% myCash on eligible MakeMyTrip bookings; unlimited myCash rewards that do not expire under the reviewed product proposition |
| Lounge | Not treated as a core lounge card in the reviewed current product material | 2 complimentary domestic airport lounge visits per quarter after ₹75,000 spend in the preceding calendar quarter, plus 1 complimentary international airport lounge visit annually; lounge benefits are for the primary cardholder. |
| Forex markup | 3.5% under the reviewed Kotak MITC's standard foreign-currency markup | 0.99% foreign-currency markup |
| Network | See current issued network | RuPay / current variant as offered |
| Eligibility / approval | Subject to Kotak Mahindra Bank underwriting and current IndiGo co-brand application criteria | Reviewed issuer page lists Indian citizens age 21+ and indicative monthly income of ₹20,000 salaried or annual income of ₹2.4 lakh if self-employed; approval remains with ICICI Bank |
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.
MakeMyTrip ICICI Bank Credit Card
- myCash is a travel-platform reward currency rather than cash.
- The fee waiver requires ₹3 lakh annual spend.
- Domestic airport lounge access requires ₹75,000 spend in the preceding calendar quarter; international access is capped separately at 1 complimentary visit annually.
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 ↗MakeMyTrip ICICI Bank Credit Card
Issuer product pageIssuer product pageIssuer product page
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
MakeMyTrip ICICI Bank Credit Card
Reviewed September 11, 2026 · 3 attached first-party sources
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/makemytrip/makemytrip-icici-bank-credit-card
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/experience
- Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/credit-card/travel-easy/international-transactions