IndiGo IDFC FIRST Dual Credit Card
Updated on October 30, 2026
🎖️Reward Rate
IndiGo: 6 IndiGo BluChips per ₹100 from the card on the IndiGo website and app, plus up to 16 more from your IndiGo loyalty tier
Overview
IndiGo IDFC FIRST is a dual Mastercard and RuPay IndiGo card with 0% forex markup, 6 BluChips per ₹100 on IndiGo, 3 per ₹100 on most other spends and up to 25,000 BluChips in milestone vouchers a year.
Rewards
Reward Type
Air Miles
Reward Rate
- • IndiGo: 6 IndiGo BluChips per ₹100 from the card on the IndiGo website and app, plus up to 16 more from your IndiGo loyalty tier
- • Other Spends: 3 BluChips per ₹100
- • UPI: 0.5 BluChips per ₹100
- • Bills and Essentials: 0.5 BluChips per ₹100 on fuel, insurance, utilities, rent, wallet, FASTag, education, railway and government spends
- • Exclusions: No BluChips on cash withdrawals and EMI transactions
Welcome Benefit
A 5,000 IndiGo BluChips voucher and an IndiGo meal voucher on joining fee payment, plus a 3-month EazyDiner Prime membership and a The Postcard Hotels stay voucher worth ₹3,000. A further 3,000 BluChips voucher on spends of ₹1 lakh within 90 days.
Milestone Benefit
A 5,000 IndiGo BluChips voucher each at ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh and ₹12 lakh of spends in a card year, up to 25,000 BluChips. Vouchers are valid for 6 months.
Redemption
- • IndiGo Flights: Use BluChips on the IndiGo website or app for domestic or international flights
- • No Blackout Dates: Redemption has no blackout dates
- • Part Payment: Pay with a mix of card and BluChips
Benefits
- Dual Cards: One Mastercard and one RuPay card with a shared limit, statement and rewards
- UPI: The RuPay card works on UPI
- Zero Forex: 0% markup on international spends
- Trip Cancellation: Up to ₹25,000 a year, 2 claims a year
- Insurance: Air accident cover of ₹1 crore and personal accident cover of ₹10 lakh
- Golf: 4 rounds and 12 lessons a year
Things to Know Before you apply
IndiGo IDFC FIRST Dual Credit Card Eligibility Criteria
- Age: 18+ years
- Resident of India.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Foreign Currency Mark-up Fee | 0% |
| Cash Advance Fee | ₹199 per cash withdrawal. |
Fee waiver: IDFC FIRST does not list a spend-based fee waiver. A fixed deposit backed version has no joining fee, but joining benefits do not apply to it.
PaisaSimple Review
Overall Rating
3.5/5What do we like about this card?
Rated 3.5 out of 5. The IndiGo IDFC FIRST Dual Credit Card scores well for 3 BluChips per ₹100 on everyday spends and 6 on IndiGo, a 0% forex markup, a RuPay card for UPI and trip cancellation and accident cover. It loses marks because BluChips work only on IndiGo, the ₹4,999 fee has no spend waiver and there is no lounge access.
Pros
- • Zero Forex: 0% markup abroad
- • Milestones: Up to 25,000 BluChips in vouchers a year
- • Two Networks: Mastercard and RuPay with UPI
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Trip Cancellation: Up to ₹25,000 a year
Cons
- • Fee: ₹4,999 a year with no spend waiver listed
- • No Lounge Access: No lounge visits listed for this card
- • Low Earn on Bills: 0.5 BluChips per ₹100 on fuel, rent and utilities
- • No Fuel Surcharge Waiver: Not offered on this card
- • IndiGo Only: BluChips are used on IndiGo flights
Frequently Asked Questions
What is the joining and annual fee of the IndiGo IDFC FIRST Dual Credit Card?
The joining fee is ₹4,999 plus GST. The annual fee is ₹4,999 plus GST. IDFC FIRST does not list a spend-based fee waiver. A fixed deposit backed version has no joining fee, but joining benefits do not apply to it.
What rewards does the IndiGo IDFC FIRST Dual Credit Card give?
IndiGo: 6 IndiGo BluChips per ₹100 from the card on the IndiGo website and app, plus up to 16 more from your IndiGo loyalty tier. Other Spends: 3 BluChips per ₹100. UPI: 0.5 BluChips per ₹100. Bills and Essentials: 0.5 BluChips per ₹100 on fuel, insurance, utilities, rent, wallet, FASTag, education, railway and government spends. Exclusions: No BluChips on cash withdrawals and EMI transactions.
How do I redeem the rewards on the IndiGo IDFC FIRST Dual Credit Card?
IndiGo Flights: Use BluChips on the IndiGo website or app for domestic or international flights. No Blackout Dates: Redemption has no blackout dates. Part Payment: Pay with a mix of card and BluChips.
Does the IndiGo IDFC FIRST Dual Credit Card give airport lounge access?
No. No lounge visits listed for this card.
What is the forex markup on the IndiGo IDFC FIRST Dual Credit Card?
There is no forex markup on international spends.
Who can apply for the IndiGo IDFC FIRST Dual Credit Card?
You must be a resident of India.
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- • A 5,000 IndiGo BluChips voucher and an IndiGo meal voucher on joining fee payment, plus a 3-month EazyDiner Prime membership and a The Postcard Hotels stay voucher worth ₹3,000. A further 3,000 BluChips voucher on spends of ₹1 lakh within 90 days.
- • A 5,000 IndiGo BluChips voucher and one 6E Eats voucher after the annual fee is paid and the first transaction is made within 60 days. 4 6E Prime passes on spends of ₹1 lakh within 90 days.
- • 2,500 EDGE Miles on your first transaction within 37 days of card issuance.
- • IndiGo: 6 IndiGo BluChips per ₹100 from the card on the IndiGo website and app, plus up to 16 more from your IndiGo loyalty tier
- • Other Spends: 3 BluChips per ₹100
- • UPI: 0.5 BluChips per ₹100
- • Bills and Essentials: 0.5 BluChips per ₹100 on fuel, insurance, utilities, rent, wallet, FASTag, education, railway and government spends
- • Exclusions: No BluChips on cash withdrawals and EMI transactions
- • IndiGo: 7 IndiGo BluChips per ₹100 on the IndiGo app and website
- • Hotels and Travel: 3 BluChips per ₹100
- • Other Spends: 2 BluChips per ₹100
- • Exclusions: No BluChips on fuel, rent, utilities, government, gaming, insurance, wallet loads, Flexipay and cash withdrawals
- • Travel: 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends
- • Other Spends: 2 EDGE Miles per ₹100
- • Exclusions: No miles on gold and jewellery, rent, wallet, government, insurance, fuel or utilities
- • Zero Forex: 0% markup abroad
- • Milestones: Up to 25,000 BluChips in vouchers a year
- • Two Networks: Mastercard and RuPay with UPI
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Trip Cancellation: Up to ₹25,000 a year
- • IndiGo Earn: 7 BluChips per ₹100 on IndiGo bookings
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Milestones: Up to 24,000 BluChips in vouchers at ₹12 lakh spend
- • Lounges: Domestic and international visits
- • Travel Cover: Flight cancellation and lost baggage cover
- • Travel Rewards: 5 EDGE Miles per ₹100 on travel
- • Transfer Value: 1 mile = 2 partner miles
- • Tiered Benefits: More lounge visits and miles at higher spends
- • Milestones: Up to 10,000 bonus miles a year
- • Fee: ₹4,999 a year with no spend waiver listed
- • No Lounge Access: No lounge visits listed for this card
- • Low Earn on Bills: 0.5 BluChips per ₹100 on fuel, rent and utilities
- • No Fuel Surcharge Waiver: Not offered on this card
- • IndiGo Only: BluChips are used on IndiGo flights
- • Fee: ₹4,999 a year with no spend waiver listed
- • High Forex: 3.5% markup
- • Domestic Lounges Need Spend: ₹1 lakh in the previous quarter
- • IndiGo Only: BluChips can be used only on IndiGo flights
- • Exclusions: No BluChips on fuel, rent, utilities or insurance
- • Fee: ₹5,000 with no spend-based waiver
- • Transfer Fee: ₹199 per transfer
- • Exclusions: No miles on rent, insurance, utilities, fuel and more
- • Forex: 3.5% markup