Earn free flights faster with India's first dual-network travel credit card
Up to 22 IndiGo BluChips per ₹100 on IndiGo flight bookings
Earn up to 25,000 bonus BluChips annually on spending milestones
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| Benefit | Details |
|---|---|
| Dual-Network Design | Receive both Mastercard and RuPay cards under a single application, sharing one credit limit. Use Mastercard for global transactions and RuPay for UPI payments in India. |
| Accelerated BluChips Earning | Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flight bookings via IndiGo website/app, 3 BluChips per ₹100 on dining and shopping, and 0.5 BluChips per ₹100 on utilities, rent, fuel, and insurance. |
| Welcome & Annual Benefits | Receive 5,000 IndiGo BluChips voucher and complimentary 6E Eats meal voucher upon joining fee payment. Benefits renew annually on fee payment from the second year onwards. |
| Early Activation Bonus | Earn additional 3,000 IndiGo BluChips voucher when you spend ₹1,00,000 within the first 90 days of card issuance (first year only). |
| Milestone Rewards | Unlock five vouchers of 5,000 BluChips each on crossing ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh in annual spends, totalling 25,000 bonus BluChips. |
| Low Forex Markup | Competitive 1.49% + GST foreign currency markup on international transactions, significantly lower than the standard 3-3.5% charged by most cards. |
| Trip Cancellation Cover | Complimentary coverage up to ₹25,000 for flight and hotel cancellations, available for up to two transactions per policy period for both primary and add-on cardholders. |
| FD-Backed Option | New-to-credit users can opt for an FD-backed variant with ₹1 lakh fixed deposit, offering zero joining fee and practically assured approval. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | IDFC FIRST Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Co-branded Travel / Airline Loyalty |
| Type of Card | Mid-Premium Travel Credit Card (Dual-Network: Mastercard + RuPay) |
| Free or Paid | Joining Fee: ₹4,999 + GST (~₹5,899) OR ₹0 with ₹1 lakh FD. Annual Fee: ₹4,999 + GST (~₹5,899) from 2nd year onwards |
The IndiGo IDFC FIRST Credit Card is designed specifically for frequent IndiGo flyers who wish to convert everyday spending into free flights. Launched in partnership with India's largest airline, this card stands out as India's first dual-network co-branded travel card, combining Mastercard's global acceptance with RuPay's UPI capabilities. With its high earn rate of up to 22 BluChips per ₹100 on IndiGo bookings, generous milestone benefits worth up to 25,000 BluChips annually, and rewards even on typically excluded categories like utilities and rent, this card is ideal for IndiGo loyalists seeking to maximise flight savings. The FD-backed variant also makes premium travel benefits accessible to new-to-credit individuals, democratising travel rewards for a broader audience.
Dual-Network Innovation: The IndiGo IDFC FIRST Credit Card uniquely provides both a Mastercard and RuPay card under a single application, sharing the same credit limit, statement, and rewards pool. The Mastercard offers global acceptance for international and online transactions, whilst the RuPay card enables UPI-linked payments for everyday digital transactions across India.
IndiGo BluChips Rewards: Unlike traditional reward points, this card earns IndiGo BluChips—the airline's loyalty currency. BluChips can be redeemed directly against IndiGo flight bookings (base fare and fuel surcharge) via the IndiGo website or mobile app. The value of 1 BluChip typically ranges from ₹0.40 to ₹0.60, though select fares may offer higher redemption values.
Accelerated Earn Rates: The card delivers exceptional returns on IndiGo bookings with up to 22 BluChips per ₹100 spent (comprising 6 BluChips from the card + 8 base BluChips from the loyalty programme + additional tier-based bonuses). Regular spends earn 3 BluChips per ₹100, whilst even typically excluded categories like utilities, fuel, rent, and insurance earn 0.5 BluChips per ₹100.
Welcome & Renewal Benefits: Upon payment of the ₹4,999 + GST joining fee, cardholders receive 5,000 IndiGo BluChips voucher and a complimentary 6E Eats meal voucher. These benefits renew annually on payment of the annual fee from the second year onwards, effectively offsetting a significant portion of the fee for active flyers.
Early Activation Bonus: New cardholders who spend ₹1,00,000 within the first 90 days receive an additional 3,000 IndiGo BluChips voucher credited on the 98th day. This first-year benefit accelerates BluChips accumulation for early adopters.
Milestone Rewards Programme: The card offers substantial milestone benefits throughout the year. Cardholders receive vouchers of 5,000 BluChips each upon crossing ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh in cumulative annual spends. These five milestone vouchers total 25,000 bonus BluChips per year, significantly enhancing the card's value proposition for high spenders.
Low Foreign Exchange Markup: International transactions attract only 1.49% + GST forex markup (approximately 1.76% total), considerably lower than the 2-3.5% charged by most competing cards. This makes the card attractive for international travel spending.
Trip Cancellation Coverage: The card provides complimentary trip cancellation insurance covering non-refundable flight and hotel bookings up to ₹25,000. Coverage extends to both primary and add-on cardholders and can be utilised for up to two transactions during the policy period (May 2025 to May 2026). Coverage includes cancellations due to medical emergencies, natural calamities, terrorism, or any personal reason.
FD-Backed Accessibility: IDFC FIRST Bank offers an innovative FD-backed variant requiring a ₹1 lakh fixed deposit pledge. This secured option charges zero joining fee (though annual fee applies from year 2) and offers practically assured approval, making premium travel benefits accessible to new-to-credit individuals or those building their credit history.
BluChip Tier Integration: The card's earning structure integrates with IndiGo's BluChip loyalty programme tiers. Blu 1 members earn 4 additional bonus BluChips per ₹100 on IndiGo bookings, Blu 2 members earn 2 bonus BluChips, whilst Blu 3 members receive no tier-based bonuses. This incentivises maintaining higher tier status for maximum returns.
Mastercard Network Benefits: As a Mastercard product, cardholders gain access to Mastercard's global acceptance network and may be eligible for select Mastercard golf and lifestyle offers, though specific lounge access is not included with this card.
Digital Payment Flexibility: The RuPay variant enables cardholders to link their credit card to UPI for seamless digital payments at merchants accepting UPI, expanding payment flexibility for everyday transactions.
IndiGo Flight Bookings: Earn up to 22 BluChips per ₹100 on IndiGo flight bookings made via the official IndiGo website or mobile app. This comprises:
6 IndiGo BluChips per ₹100 from using the IndiGo IDFC FIRST Credit Card
8 IndiGo BluChips per ₹100 provided by the BluChip loyalty programme to all members
Additional tier-based bonuses: Blu 1 members earn 4 extra BluChips, Blu 2 members earn 2 extra BluChips, Blu 3 members earn no tier bonus
Regular Spends: Earn 3 IndiGo BluChips per ₹100 on all other eligible purchases including dining, shopping, entertainment, and groceries.
Typically Excluded Categories: Earn 0.5 IndiGo BluChips per ₹100 on categories usually excluded by credit cards, including:
UPI transactions (via RuPay card)
Utilities (electricity, water, gas bills)
Insurance premiums
Fuel purchases
Rent payments
Wallet loads
Exclusions: IndiGo BluChips are not earned on:
Cash withdrawals and cash advances
EMI conversions
Jewellery and gold purchases
Flight Redemptions: BluChips can be redeemed directly against IndiGo flight bookings (base fare and fuel surcharge) on the IndiGo website or mobile app. Redemption is done on the payment page during booking.
BluChip Value: The value of 1 IndiGo BluChip typically ranges from ₹0.40 to ₹0.60, though certain fares may offer higher redemption values up to ₹1 or more. The value is dynamic and varies by flight and booking.
No Blackout Dates: IndiGo BluChips can be redeemed on all flights with no blackout dates, offering availability on all seats until the last seat is sold.
Voucher Redemption: BluChip vouchers received as welcome, annual, milestone, or activation benefits are valid for booking and travel within 6 months of voucher issuance. Vouchers can only be redeemed on the IndiGo website or mobile app.
BluChip Account: All earned BluChips are credited to the cardholder's IndiGo BluChip Membership account. Members can log in to view their balance, transaction history, and profile details.
Joining Benefits (Fee-Based Variant Only):
5,000 IndiGo BluChips voucher credited within 7 days of joining fee payment
Complimentary 6E Eats meal voucher for use on IndiGo flights
Vouchers valid for 6 months from issuance
Annual Benefits (From 2nd Year Onwards):
5,000 IndiGo BluChips voucher renewed annually on payment of annual fee
Complimentary 6E Eats meal voucher renewed annually
Benefits apply to both fee-based and FD-backed variants from the second year
Note: FD-backed cardholders do not receive joining benefits in the first year but are eligible for annual benefits from the second year onwards upon payment of the annual fee.
Eligibility: Spend ₹1,00,000 within the first 90 days of card issuance (combined spends on both Mastercard and RuPay variants plus add-on cards).
Reward: 3,000 IndiGo BluChips voucher credited to the BluChip Membership account on the 98th day.
Voucher Validity: Valid for booking and travel within 6 months of voucher issuance.
Availability: First year only; not applicable for subsequent years.
Milestone Structure: Earn 5,000 IndiGo BluChips vouchers at each of the following cumulative annual spend thresholds:
₹2,00,000: 5,000 BluChips voucher
₹5,00,000: 5,000 BluChips voucher
₹8,00,000: 5,000 BluChips voucher
₹10,00,000: 5,000 BluChips voucher
₹12,00,000: 5,000 BluChips voucher
Total Milestone Benefit: Up to 25,000 bonus IndiGo BluChips per anniversary year for cardholders crossing all milestones.
Crediting: Vouchers are credited to the IndiGo BluChip account within 5 days after the statement generation date of the month in which the milestone was achieved.
Spend Calculation: Cumulative spends across both Mastercard and RuPay variants plus all add-on cards count towards milestone thresholds.
Voucher Validity: Each milestone voucher is valid for 6 months from issuance.
Coverage Amount: Up to ₹25,000 per transaction for non-refundable flight and hotel bookings.
Annual Limit: Maximum 2 transactions per eligible cardholder during the policy period.
Eligibility: Available to both primary and add-on cardholders. Coverage is shared between Mastercard and RuPay variants.
Policy Period: 8th May 2025 (or policy issuance date, whichever is later) to 7th May 2026.
Covered Reasons:
Insured person's serious injury or sudden sickness requiring minimum three days' hospitalisation
Serious injury or sickness of spouse, parent, or child requiring minimum three days' hospitalisation
Terrorism, natural calamities, cyclone, flood, storm, etc.
Cancellation for any personal reason (Cancel For Any Reason benefit)
Claim Process: Email claims to the insurance broker (Howden India Insurance Brokers) with required documentation including booking confirmation, cancellation bill, card statement, and cancelled cheque.
Important Condition: The IndiGo IDFC FIRST Credit Card must be active with no overdue amount at the time of raising a claim.
Forex Markup: 1.49% + GST on all foreign currency transactions, totalling approximately 1.76% including tax.
Competitive Advantage: Significantly lower than the 2-3.5% charged by most competing credit cards, making international spending more economical.
Applicable Transactions: All international purchases, online transactions in foreign currency, and overseas point-of-sale transactions.
Mastercard Network Privileges: Access to select Mastercard golf offers and lifestyle benefits as available through the Mastercard network.
UPI Transactions: Link the RuPay variant to UPI for digital payments at UPI-accepting merchants, earning 0.5 BluChips per ₹100 on such transactions.
Fuel Surcharge Waiver: 1% fuel surcharge waiver applicable on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per billing cycle (excluding GST).
EMI Conversions: Convert high-value purchases into EMIs with potential cashback offers on the first EMI transaction (subject to bank promotions).
IndiGo BluChips are not earned on the following transaction categories:
Cash withdrawals and cash advances
EMI conversions
Jewellery and gold purchases
Transactions exceeding credit limit
Reversed or refunded transactions
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee (Fee-Based Variant) | ₹4,999 + GST (~₹5,899) | One-time charge when the card is issued. Welcome benefits offset this cost. |
| Joining Fee (FD-Backed Variant) | ₹0 | No joining fee when pledging ₹1,00,000 fixed deposit. Welcome benefits not applicable in first year. |
| Annual Fee | ₹4,999 + GST (~₹5,899) | Charged from the second year onwards for both variants. No spend-based waiver. Renewal benefits offset this cost. |
| Add-on Card Fee | ₹0 | Complimentary add-on cards available. |
| Interest Rate (APR) | 1.5% to 3.6% per month (18% to 43.2% annually) | Applicable on outstanding balances after the due date. |
| Foreign Currency Markup | 1.49% + GST (~1.76%) | Exceptionally low compared to standard 2-3.5% charged by most cards. |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹500) | Applicable on cash withdrawals from ATMs or banks. |
| Late Payment Fee | Based on Total Amount Due (TAD): Up to 15% with minimum ₹100 and maximum ₹1,300 | Charged when minimum payment is not made by due date. |
| Over-limit Penalty | 2.5% of over-limit amount (Minimum ₹500) | Charged when spending exceeds sanctioned credit limit. |
| Cheque Return/Dishonour Fee | 2% of payment amount (Minimum ₹500) | Charged when payment cheque bounces or auto-debit fails. |
| Card Replacement Fee | ₹199 per card | Individual charge for replacing each card (Mastercard or RuPay separately). |
| Rent Transaction Fee | 1% on total transaction amount | Applicable on rent payments made through the card. |
| FASTag Recharge Fee | 1% on FASTag recharges above ₹10,000 per billing cycle | Applicable on recharges exceeding threshold. |
| Railway Ticket Booking Fee | 1% on railway bookings above ₹25,000 per billing cycle | Applicable on bookings exceeding threshold. |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹200-₹5,000 (capped at ₹200/cycle) | GST on surcharge not reversed. |
| Reward Redemption Fee | ₹99 + GST per transaction | Charged when redeeming rewards through IDFC FIRST Rewards portal. |
| Fixed Deposit (FD-Backed Variant) | ₹1,00,000 minimum FD pledge | Required for FD-backed secured card variant. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 60 years |
Existing Customer | Available to both existing IDFC FIRST Bank customers and new applicants |
Citizenship | Must be a Resident of India |
Credit Score | Good credit score (ideally 700+) for fee-based variant; FD-backed variant available for new-to-credit individuals |
Income | Salaried: Minimum ₹3-4 lakhs per annum. Self-employed: Higher income threshold typically required for the FD-backed variant has more flexible income requirements |
Banking Relationship | Not mandatory but existing IDFC FIRST Bank relationship may improve approval chances |
Employment Status | Salaried, self-employed, or professionals; FD-backed option available for new-to-credit individuals |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (within 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT return copy (last 2 years) / Audited financials (for self-employed) |
| PAN Card | Mandatory for credit card issuance in India |
| Photograph | Recent passport-size photographs |
| Fixed Deposit Documents | For FD-backed variant: FD account details and pledge documents |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your IndiGo IDFC FIRST Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Book Directly via IndiGo | Always book IndiGo flights through the official IndiGo website or mobile app to maximise earning potential with up to 22 BluChips per ₹100. |
Achieve Early Activation Bonus | Target ₹1,00,000 in spends within the first 90 days to unlock the additional 3,000 BluChips voucher worth approximately ₹1,200-1,800. |
Plan for Milestone Benefits | Track your annual spending to cross the five milestone thresholds (₹2L, ₹5L, ₹8L, ₹10L, ₹12L) and earn 25,000 bonus BluChips worth ₹10,000-15,000. |
Utilise Annual Benefits Immediately | Upon receiving your 5,000 BluChips voucher and meal voucher, use them within the 6-month validity period to maximise value. |
Leverage Both Cards Strategically | Use the Mastercard for international transactions and online purchases, whilst using the RuPay card for UPI payments and domestic digital transactions. |
Pay Utilities & Rent | Unlike most cards, earn 0.5 BluChips per ₹100 even on utilities, insurance, fuel, and rent—categories typically excluded by competitors. |
International Spending | Maximise international purchases on this card to benefit from the low 1.49% forex markup compared to 2-3.5% on competing cards. |
Maintain Higher BluChip Tier | Work towards achieving Blu 1 or Blu 2 tier status in the IndiGo BluChip programme to earn additional bonus BluChips on every IndiGo booking. |
Monitor Voucher Validity | All BluChip vouchers expire 6 months after issuance. Plan your IndiGo bookings to utilise vouchers before expiry. |
Utilise Trip Cancellation Cover | When booking non-refundable flights or hotels with the card, remember you're covered up to ₹25,000 per transaction for cancellations. |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid interest charges (up to 43.2% annually) and maintain your credit score. |
Link to IndiGo BluChip Account | Ensure your card is properly linked to your IndiGo BluChip Membership account to receive all earned BluChips and track your balance. |
Combine Spends Across Cards | Remember that spends on both Mastercard and RuPay variants plus all add-on cards count towards milestone thresholds. |
Track FD Growth | For FD-backed cardholders, monitor your fixed deposit growth as increases in FD value can lead to organic credit limit increases. |
The IndiGo IDFC FIRST Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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