IndiGo IDFC FIRST Dual Credit Card
IDFC FIRST Bank · Open to apply
IndiGo's co-brand with IDFC FIRST: a Mastercard and a RuPay card on one limit. It earns 3 IndiGo BluChips per ₹100 on most spends and 6 on IndiGo flights, gives a 5,000-BluChip voucher on paying the joining or annual fee and up to 25,000 more in vouchers at yearly spend milestones, with zero forex markup. It can also be had against a fixed deposit with no joining fee.
- Annual fee
- ₹4,999 + GST a year
- Joining fee
- ₹4,999 + GST
- Base rate
- Other spends, 3 BluChips per ₹100: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- IndiGo flights booked on the IndiGo website or app, 6 BluChips per ₹100: 6 IndiGo BluChips per ₹100 (about 2.7% at cash value)
Earns nothing on
- No BluChips on cash withdrawals and EMI transactions
Where the sources disagree
- Fixed deposit needed for the no-joining-fee route: The fees section, the product guide and one FAQ say a minimum FD of ₹50,000; the documents list ("Minimum Fixed Deposit of ₹1,00,000 for ₹0 Joining fee card") and two other FAQ answers say ₹1,00,000. Not resolved; the route is not valued.
Terms the calculator does not value
- The FD-backed route has no joining fee and no joining-fee voucher (5,000 BluChips and a meal voucher), with the same ₹4,999 annual fee from year 2 and the same earn. The calculator values the joining-fee route.
- IndiGo gives up to 16 more BluChips per ₹100 on its own flights by loyalty tier, on top of the card's 6; that is IndiGo's programme and is not counted.
- The one-time EazyDiner Prime membership (worth ₹1,095) and The Postcard Hotels stay voucher (worth ₹3,000) are not valued; the meal vouchers are not valued.
- From 18 June 2026 BluChips are earned only on spends up to the credit limit in a billing cycle. The calculator does not know the credit limit and applies no cap.
- BluChip vouchers are consumed in full against one journey's base fare and expire in 6 months; a voucher worth more than the fare loses the rest.
Sources
- IndiGo IDFC FIRST Dual Credit Card product page, with earn table, milestones, fees and FAQ (Product page, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IndiGo IDFC FIRST Bank Credit Card product guide (Reward terms, the bank's own, read 6 Nov 2026)
- Bank letter: Important update regarding your IndiGo IDFC FIRST Credit Card (May 2026, effective 18 June and 22 July 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- IndiGo IDFC FIRST Credit Card Privileges (joining, annual, activation and milestone benefits, trip cancellation, insurance) (Reward terms, the bank's own, read 6 Nov 2026)