IndiGo IDFC FIRST Dual Credit Card
An IndiGo co-branded pair of cards (Mastercard and RuPay, one limit) for ₹4,999 a year, or no joining fee against a fixed deposit: 6 BluChips per ₹100 on IndiGo flights, 3 on other spends, 0.5 on UPI, bills, fuel, rent and similar; BluChips have no fixed rupee value. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹4,999 plus GST Product page |
|---|---|
| Annual fee | ₹4,999 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The joining fee is ₹0 on the variant backed by a fixed deposit (₹50,000 by one statement, ₹1 lakh by others); the annual fee applies to both from the second year. There is no spend-based waiver on record. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| 0.5 BluChips per ₹100 on UPI, insurance, utilities, fuel, rent, wallet, education, railway and government | 0.5 points per ₹100 Product page | no cap on record |
| 1 BluChip per ₹100 on international spends (from 26 Oct 2026) | 1 point per ₹100 Product page | no cap on record |
| 3 BluChips per ₹100 on other spends | 3 points per ₹100 Product page | no cap on record |
Earned as IndiGo BluChips, redeemable only on IndiGo flights; IndiGo says their value varies by route and date.
IndiGo flights booked on IndiGo's site or app earn 6 BluChips per ₹100 from the card, plus up to 16 from IndiGo by loyalty tier (listed as a highlight). No BluChips on cash or EMI.
Benefits
- Lounges: none on record
- Welcome: 5,000-BluChip voucher and an IndiGo meal voucher when the joining fee is paid (not on the FD variant) Product page
- Milestone: 5,000-BluChip voucher at ₹2 lakh of spend in a card year Product page
- Milestone: Another 5,000 at ₹5 lakh Product page
- Milestone: Another 5,000 at ₹8 lakh Product page
- Milestone: Another 5,000 at ₹10 lakh Product page
- Milestone: Another 5,000 at ₹12 lakh Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- 6 BluChips per ₹100 on IndiGo flights booked on IndiGo's site or app, plus up to 16 by IndiGo tier Product page
- Up to 25,000 BluChips a year in vouchers at ₹2 lakh to ₹12 lakh of spend Product page
- 3,000-BluChip voucher on ₹1 lakh of spend in the first 90 days Product page
- 5,000-BluChip voucher and a meal voucher on each annual fee payment Product page
- Trip cancellation cover up to ₹25,000 a year Product page
- Mastercard golf rounds and lessons Product page
- Postcard hotels stay voucher worth ₹3,000 (one-time) Product page
Eligibility
- Age 18 or above Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- the rupee value of an IndiGo BluChip (IndiGo says it varies by route and date)
- airport lounge access
- a fuel surcharge waiver
Where IDFC FIRST Bank’s documents differ, and what is used
- Forex: the product page and MITC say 0%; an FAQ on the same page says "zero forex markup of just 1.49%" and the RuPay cards page says 1.49%. 0% is used.
- FD for the no-fee variant: ₹50,000 in the fee section and one FAQ; ₹1,00,000 in the documents list and two other FAQs.
- International spends: 1 BluChip per ₹100 from 26 Oct 2026 (used here); before that they appear to earn the general rate.
- Golf: one section says 4 rounds and 12 lessons a year; an FAQ says 12 rounds, 12 lessons and 4 guest rounds a year.
The quotes behind the figures
30 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“The card comes with a joining fee (1st year) of ₹4,999 + GST and an annual fee (2nd year onwards) of ₹4,999 + GST.”
“You enjoy 0% forex markup with the IndiGo IDFC FIRST Credit Card”
“- 0.5 IndiGo BluChips on every ₹100 spent on Insurance, Utility, Fuel, Rent, Wallet, FASTag, education, railway spends and govt. services as defined by Network Merchant category codes (MCCs)”
“- 0.5 BluChips on every ₹100 spent on UPI”
“Effective26th October 2026, earn 1IndiGo BluChip on every ₹100spent on internationalpurchases”
“- 3 IndiGo BluChips on every ₹100 spent on other categories”
“Scan UPI QR with your RuPay Card across 60Mn+ merchants”
“₹4,999 +GST with Joining Benefits or ₹0 if backed by min FD of ₹50k”
“2) FD-backed variant: Pledge an FD of ₹1,00,000 and own the product at ₹0 Joining fee.”
“it combines the global acceptance of Mastercard with a zero forex markup of just 1.49%”
“1.49% forex markup only — among the lowest for a co-branded travel card”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Yes, IndiGo BluChips will not be rewarded on cash transactions and transactions converted to EMI”
“The value of IndiGo BluChip could vary depending upon the flight source and destination, day of flight booking etc at the discretion of IndiGo.”
“Additional Benefits: Earn up to 16 IndiGo BluChips extra based on your IndiGo Loyalty Program tier.”
“IndiGo BluChips will be credited 1 day after Payment Due Date, subject to payment realisation of at least the Minimum Amount Due on or before the Payment Due Date.”
“12 complimentary rounds of green fees per calendar year (only 3 rounds in a calendar quarter)”
“- 5000 IndiGo BluChips voucher on joining fee payment”
“Spend Milestones being INR 2 Lakh spends, 5 Lakh spends, 8 Lakh spends, 10 Lakh spends, and 12 Lakh spends.”
“- 6 IndiGo BluChips on every ₹100 spent on flights booked via IndiGo website or mobile app”
“Cardmembers will receive a Bonus voucher of 5000 IndiGo BluChips on every spend milestone.”
“Customer will be receiving voucher of 3000 IndiGo BluChips upon spending ₹1Lac within 90 days of card generation.”
“Renew the card every year by paying the Annual fee of ₹4,999+GST and unlock the following Annual Benefits”
“Get reimbursement on your non-refundable flights or hotels, up to ₹25,000 every year”
“Enjoy 4 complimentary golf rounds and 12 complimentary golf lessons every year”
“Postcard hotels stay voucher worth ₹3,000”
“Eligibility for the Indigo Credit Card 18 years of age or above”
“Resident of India”
“Your IndiGo IDFC FIRST Credit Card could be live in 5 minutes – why wait? Apply Now”
“The IndiGo IDFC FIRST Credit Card is a one-of-a-kind dual credit card that gives you both Mastercard and RuPay cards through a single application”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology