Joining Fee
₹4,999
Annual Fee
Rs. 4999 + Taxes
Forex Markup
1.49% + GST
Add-on Card Fee
₹499 per supplementary card
IndiGo IDFC FIRST Credit Card
Rewards Structure
Base Reward Rate
3% on spends
Point Value
1 Point = ₹0.25
Pros
- Dual Mastercard + RuPay cards from a single application
- Low forex markup of just 1.49%
- Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flights (card + IndiGo tier bonus)
- Up to 25,000 bonus BluChip vouchers annually via spend milestones
- FD-backed variant allows those with no credit history to apply
- Trip cancellation cover up to ₹25,000/year
- Complimentary golf rounds and lessons via Mastercard
- UPI payments via RuPay card at 60Mn+ merchants
- No blackout dates on BluChip redemptions
Cons
- High joining and annual fee of ₹4,999 + GST
- No IndiGo BluChips on cash transactions or EMI conversions
- Welcome benefits (joining fee voucher) not available for FD-backed variant
- Milestone vouchers valid only 6 months from date of issuance
- UPI and insurance/fuel/utility/rent/wallet spends earn only 0.5 BluChips per ₹100
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Early activation benefit of 3,000 BluChips is one-time, first year only
Milestone vouchers expire 6 months from issuance
Add-on card has its own joining and annual fee of ₹499 + GST
Both cards need PIN set up individually
Physical cards dispatched only after joining fee payment or FD creation
Key Benefits & Features
3 months complimentary EazyDiner Prime membership worth ₹1,095 (one-time, both variants)
Postcard Hotels stay voucher worth ₹3,000 (one-time, both variants)
Dual card (Mastercard + RuPay) with shared credit limit and unified rewards pool; RuPay enables UPI payments at 60Mn+ merchants
FD-backed variant available at ₹0 joining fee with minimum ₹1 lakh Fixed Deposit; no credit history required
Eligibility Criteria
Occupation
Required Documents
IDENTITY Proof
ADDRESS Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About IndiGo IDFC FIRST Credit Card
The IndiGo IDFC FIRST Dual Credit Card is a co-branded travel card that uniquely delivers two physical cards — a Mastercard and a RuPay — through a single application. This means cardholders enjoy global acceptance for international and domestic spending via Mastercard, alongside the convenience of UPI payments at over 60 million merchants through RuPay. Both cards share a single credit limit, one statement, and a unified rewards pool, making everyday management seamless. The card rewards every spend with IndiGo BluChips — the currency of IndiGo's loyalty program — which can be redeemed for domestic and international flights with no blackout date restrictions. Cardholders earn 6 BluChips per ₹100 on IndiGo flight bookings through the official app or website, 3 BluChips on general spends, and 0.5 BluChips on UPI, fuel, utilities, rent, and wallet transactions. Annual milestone vouchers worth up to 25,000 BluChips are available upon reaching cumulative spend thresholds, and a low forex markup of just 1.49% makes it a strong companion for international travel. Two application paths make this card genuinely accessible: pay a ₹4,999 joining fee or pledge a minimum ₹1 lakh Fixed Deposit for zero joining fee with assured approval — no credit history required. Whether a frequent flyer or a first-time credit card applicant, this card is designed to help more people earn rewards and fly more affordably.
Our Verdict
Dual Mastercard+RuPay travel card earning IndiGo BluChips on every spend with milestone vouchers up to 25,000 BluChips/y
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