MyFinCards
IndiGo IDFC FIRST Credit Card

Joining Fee

₹4,999

Annual Fee

Rs. 4999 + Taxes

Forex Markup

1.49% + GST

INTERNATIONAL
IDFC FIRST Bank
Travel
Rewards
Best For: Frequent IndiGo flyers, Travelers looking for low forex markup, First-time credit card applicants (via FD variant), Those wanting UPI + global acceptance in one 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

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

ADDRESS Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slips
ITR

Notable Exclusions

No IndiGo BluChips on cash transactionsNo IndiGo BluChips on transactions converted to EMI

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Dual Mastercard+RuPay travel card earning IndiGo BluChips on every spend with milestone vouchers up to 25,000 BluChips/y

Frequently Asked QuestionsAbout IndiGo IDFC FIRST Credit Card

FEESIs there a joining or annual fee on the IndiGo IDFC FIRST Credit Card?
Yes, the IndiGo IDFC FIRST Credit Card comes with a joining fee of ₹4,999 + GST for the standard variant. The annual fee (from the 2nd year onwards) is also ₹4,999 + GST. However, you can apply with ₹0 joining fee by opting for the FD-backed variant, which requires a minimum Fixed Deposit of ₹1,00,000. Note that both variants carry the same annual fee from year 2 onwards.
FEESWhen will the joining fee be charged and when do I need to pay it?
The joining fee of ₹4,999 + GST is charged on the day of card application. You must make the payment within the due date of your 1st statement to avoid card closure. For the FD-backed variant, there is no joining fee, but you must pledge a Fixed Deposit of ₹1,00,000. Physical cards are dispatched only after the joining fee is paid or the FD is created, based on the variant selected.
BENEFITSWhat benefits do I get on paying the joining fee?
On paying the joining fee of ₹4,999 + GST, you receive: a voucher of 5,000 IndiGo BluChips, a complimentary IndiGo meal voucher, 3 months complimentary EazyDiner Prime membership worth ₹1,095, and a Postcard Hotels stay voucher worth ₹3,000. These welcome benefits are exclusive to the joining fee variant and are not available for the FD-backed variant. Benefits are processed within 5 working days of fee payment.
ELIGIBILITYWho is eligible to apply for the IndiGo IDFC FIRST Credit Card?
The IndiGo IDFC FIRST Credit Card is designed for everyone. Those with a credit history can apply through the standard credit eligibility-based variant by paying a joining fee of ₹4,999 + GST. Those with no credit history can apply through the FD-backed variant by pledging a minimum Fixed Deposit of ₹1,00,000 at ₹0 joining fee. Both paths provide the same dual card (Mastercard + RuPay) and rewards experience.
REWARDSHow do I earn IndiGo BluChips on my card?
You earn IndiGo BluChips on every eligible transaction: 6 BluChips per ₹100 on IndiGo flights booked via IndiGo website or app (plus up to 16 additional BluChips from your IndiGo loyalty tier, totalling up to 22), 3 BluChips per ₹100 on other spends, and 0.5 BluChips per ₹100 on UPI, insurance, fuel, rent, utility, and wallet transactions. No BluChips are earned on cash transactions or EMI conversions.
REWARDSHow can I earn the 25,000 bonus IndiGo BluChip vouchers every year?
You can earn bonus vouchers of up to 25,000 IndiGo BluChips annually by reaching spend milestones. You receive a voucher of 5,000 BluChips each time you cross ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh in cumulative annual spends (across both cards). These vouchers are credited within 5 days after the statement generation date of the month in which the milestone is achieved. The milestone program renews every anniversary year.
REWARDSWhat is the validity of IndiGo BluChip vouchers?
IndiGo BluChip vouchers earned as welcome benefits, milestone rewards, or annual fee benefits are valid for 6 months from the date of credit into your IndiGo BluChip account. The voucher can be used for flight bookings made on or before the expiry date, and can only be redeemed for flights scheduled to depart on or before the voucher expiry date. It is advisable to use your vouchers promptly to get the best value.
USAGEHow do I redeem IndiGo BluChips?
IndiGo BluChips can be redeemed for IndiGo flight tickets (domestic or international) through the IndiGo website or mobile app with no blackout date restrictions. You can also use a combination of BluChips and cash for part payments. BluChip vouchers are visible on the payment page during booking. IndiGo Meal vouchers can be redeemed against add-on meals selected during flight booking. BluChips can also be used to book flights for up to 5 registered nominees in your account.
INTERNATIONALWhat is the forex markup on the IndiGo IDFC FIRST Credit Card?
The IndiGo IDFC FIRST Credit Card offers a competitive forex markup fee of just 1.49% on international transactions. This makes it an affordable option for frequent international travellers compared to most credit cards that charge 2–3.5% forex markup. The Mastercard variant of the dual card provides global acceptance, allowing you to use it for seamless spending at POS terminals and online merchants worldwide.
BENEFITSWhat is unique about the IndiGo IDFC FIRST Dual Credit Card?
The IndiGo IDFC FIRST Credit Card is a first-of-its-kind dual credit card that gives you both a Mastercard and a RuPay card through a single application. The Mastercard offers global POS and online acceptance with a low 1.49% forex markup, while the RuPay card enables UPI payments at 60 million+ merchants in India. Both cards share a single credit limit, statement, and rewards pool. You can also apply via an FD if you have no credit history.
BENEFITSCan I avail golf benefits with the IndiGo IDFC FIRST Credit Card?
Yes, as part of Mastercard World network benefits, you get 12 complimentary golf lessons per calendar year (3 per quarter), 12 complimentary rounds of green fees per calendar year (3 per quarter), and 4 complimentary guest rounds of green fees per calendar year (1 per quarter). For bookings and queries, you can call the Mastercard toll-free helpline at 1800-102-6263.
APPLICATIONHow do I apply for the IndiGo IDFC FIRST Credit Card?
You can apply for the IndiGo IDFC FIRST Credit Card fully online in just 5 minutes. The process involves mobile OTP verification, PAN and income details submission, and Video-KYC using Aadhaar e-KYC. For the standard variant, pay the ₹4,999 joining fee post-approval. For the FD-backed variant, create or link a Fixed Deposit of ₹1,00,000. Pro Tip: Register for the IndiGo BluChip Loyalty Program before applying to link rewards seamlessly from Day 1.
REWARDSCan I earn IndiGo BluChips on both the Mastercard and RuPay cards?
Yes, IndiGo BluChips are earned on transactions made on both the Mastercard and RuPay cards. All BluChips earned across both cards are pooled into a single rewards account, redeemable via the IndiGo website or app. Similarly, spends on both cards are combined for calculating early activation benefits and annual spend milestones. There is no separate tracking — everything is unified under one account.
REWARDSWhat is the early activation benefit and how do I earn it?
As an early activation benefit, you will receive a voucher of 3,000 IndiGo BluChips if you spend ₹1,00,000 within the first 90 days of card generation. This benefit is available to both the joining fee variant and the FD-backed variant of the card. It is a one-time offer available only in the first year. Spends across both the Mastercard and RuPay cards are counted together towards the ₹1 lakh threshold.
BENEFITSIs trip cancellation cover available with the IndiGo IDFC FIRST Credit Card?
Yes, the IndiGo IDFC FIRST Credit Card includes trip cancellation cover that reimburses you for non-refundable flight or hotel bookings in the event of a cancellation, up to ₹25,000 per year. This is an added layer of travel protection that makes the card particularly valuable for frequent flyers. Terms and conditions apply, so it is advisable to review the Most Important Terms and Conditions (MITC) document for full details on eligibility and claim process.

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