Travel on Points

IndiGo IDFC FIRST Credit Card

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  • Joining fee

    ₹4,999 + GST OR First Year for Secured Card (Min ₹50,000 FD)

  • Annual fee

    ₹4,999 + GST

  • Best suited for

    Travel

  • Reward type

    Air Miles

Rewards

  • Rewards rate

    Up to 22 BluChips/₹100 for Flight Bookings Via the IndiGo Website/App. 0.5 BluChips/₹100 for UPI, Rent, Utility, Insurance, and Wallet Spends, and 3 BluChips/₹100 for Other Eligible Spends

  • Welcome benefits

    5,000 IndiGo BluChips, Meal Voucher, 3-Month EazyDiner Prime Membership, and Postcard Hotel Voucher Worth ₹3,000 (Paid Variant Only). 3,000 IndiGo BluChips Voucher on Spending ₹1 Lakh Within 90 Days (Both Paid and Secured Variant)

  • Reward redemption

    BluChips Can Be Used for IndiGo Flight Bookings

Benefits

  • Golf

    4 Complimentary Golf Rounds and 12 Complimentary Golf Lessons Annually (Mastercard World Benefit)

  • Insurance

    Trip Cancellation Cover for Flight and Hotel Bookings Up to ₹25,000. Other Travel Insurance Covers are Also Offered

Fees & charges

  • Foreign currency markup

    1.49%

  • Interest rates

    Monthly – 0.71% to 3.85%. Annual – 8.5% to 46.2%

  • Cash advance charges

    ₹199 (Per Transaction Charge)

Product highlights

  • This is an airline co-branded credit card.
  • Those who often fly with IndiGo, India’s largest airline, would benefit the most from this card.
  • The IndiGo IDFC First Credit Card offers up to 22 BluChips/₹100 spent on the IndiGo website and app.
  • This card offers a low forex charge of 1.49% making it ideal for those who travel internationally.

Pros & cons

Pros

  • IndiGo loyalists can take great advantage of this card as they can earn up to 22 BluChips for spending through the airline’s website and app. That could lead to savings of up to 11% for select flights where 1 BluChip = ₹0.50.
  • Several useful insurance covers are offered with this card, including air accident cover worth ₹1 crore.

Cons

  • One of the major drawbacks of this travel credit card is the complete lack of airport lounge access.
  • BluChips don’t have a fixed, defined value; instead, they have a dynamic value.
  • No complimentary BluChip is offered along with the card.

FAQs

How does the dual-card setup work with the IndiGo IDFC FIRST Credit Card?

Upon approval, you’ll receive two cards, one on the RuPay network and one on Mastercard. Both cards need to be set up separately, but they share a single credit limit. All spending across both cards contributes toward earning IndiGo BluChips and qualifying for milestone benefits. Cardholders shall earn BluChips seamlessly on both networks, and for convenience, they shall receive a single e-statement and make one consolidated payment each billing cycle.

What is the replacement charge for this card?

For the IndiGo IDFC Credit Card, there is a replacement charge of ₹199 for each card.

Is there any joining or annual charge for the add-on IndiGo IDFC Credit Card?

There are no charges for the add-on IndiGo IDFC Credit Card.

How many domestic airport lounge visits are included with the IndiGo IDFC First Credit Card?

The IndiGo IDFC Credit Card doesn’t offer any airport lounge access.

What is the value of 1 IndiGo BluChip?

IndiGo BluChip doesn’t have a fixed value; it has a dynamic value that changes from flight to flight. Based on our research, the value of 1 BluChip varies between ₹0.40 and ₹0.50.

When will I have to pay the joining fee?

Applicants would need to pay the joining fee of ₹4,999 upfront for this credit card upon approval.