← Part of IDFC First Credit Cards in India
The IndiGo IDFC FIRST Credit Card, launched in partnership with IndiGo airlines, offers a unique dual-card system (Mastercard and RuPay) from a single application. This co-branded card provides up to 22 BluChips per ₹100 spent on IndiGo bookings, making IT highly beneficial for frequent flyers as of 2026.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Airline Credit Card (Travel-focused) |
| Issuing Bank | IDFC FIRST Bank in partnership with IndiGo |
| Network | Dual Card (Mastercard and RuPay) |
| Joining Fee (Unsecured) | ₹4,999 + GST |
| Joining Fee (Secured) | ₹0 (backed by Fixed Deposit of ₹1 lakh or more) |
| Renewal Fee | ₹4,999 + GST (from second year onwards) |
| Welcome Benefit | 5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher (on joining fee payment) |
| Annual Renewal Benefit | 5,000 IndiGo BluChips Voucher + 1 complimentary IndiGo meal voucher (on annual fee payment) |
| Activation Bonus | 3,000 IndiGo BluChips Voucher (on spending ₹1,00,000 in first 90 days) |
| Exclusive Offer (June 2026) | Additional 5,000 IndiGo BluChip Voucher (on spending ₹15,000 in first 30 days of card generation, offer period June 1-30, 2026) |
| IndiGo Website/App Earning Rate | Up to 22 BluChips/₹100 spent |
| Direct IndiGo Transaction Earning Rate | 6 BluChips/₹100 spent |
| Other Eligible Spends Earning Rate | 3 BluChips/₹100 spent |
| Low-Value Spends Earning Rate | 0.5 BluChips/₹100 spent (Insurance, Rent, Utility, Wallet, UPI) |
| Forex Charges | 1.49% (significantly lower than typical 3.5% on other cards) |
| Trip Cancellation Cover | Up to ₹25,000 per year (max 2 claims) |
| Personal Accident Cover | ₹10 Lakh |
| Lost Card Liability Cover | ₹50,000 |
| BluChips Voucher Validity | 6 months |
| BluChip Value | Typically 40-60 paise, ₹1 or more on select fares |
| Milestone Benefits | Up to 25,000 bonus BluChips annually (on crossing ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L annual spends) |
| Paisabazaar Rating (2026) | 3.5/5.0 (Overall) |
| Eligibility (General) | Resident Indian, at least 18 years old (21 for some unsecured variants), permanent residential address in India |
| Application Process | Credit eligibility-based or Fixed Deposit creation/linking |
The card’s dual network and competitive forex charges make IT a strong contender for both domestic and international travelers, especially those loyal to IndiGo.
Dual Card Features: Mastercard & RuPay Benefits
The IndiGo IDFC FIRST Credit Card offers a unique dual-card system, providing both Mastercard and RuPay variants through a single application. This dual issuance ensures wider acceptance and maximum payment flexibility for cardholders across India and globally.
| Type/Category | Details | Key Feature |
|---|---|---|
| Dual Credit Card Feature | Single application for both Mastercard and RuPay cards | Wider acceptance and maximum payment flexibility |
| Credit Limit | Shared between both Mastercard and RuPay cards | Unified credit limit across networks |
| BluChip Earnings | All spending on both cards contributes to IndiGo BluChip earnings | Combined rewards pool for faster accumulation |
| Mastercard Benefits | Best for international travel and large online transactions | Global acceptance for seamless payments |
| RuPay Benefits | Link credit card to UPI apps to earn rewards on merchant scans | UPI payment integration for daily transactions |
| Account Management | Both cards share the same credit limit, statement, and combined reward pool | Unified account for simplified tracking |
| Accessibility | FD-backed approval option available for those without credit history | Accessible to a wider customer base |
| Forex Charges | Low Forex charge of 1.49% on international transactions | Ideal for international travel (as of 2026) |
| Travel Benefits | Trip cancellation cover of up to ₹25,000 per year (2 claims/year) | d travel protection and peace of mind |
| Security & Insurance | Personal Accident Cover of ₹10 lakh and lost card liability cover of ₹50,000 | full insurance coverage |
| Welcome Benefit | 5,000 IndiGo BluChips Voucher and 1 6E Eats Voucher on joining fee payment | Immediate travel rewards upon card activation |
| Activation Bonus | 3,000 IndiGo BluChips Voucher on spending ₹1,00,000 in the first 90 days | Accelerated rewards for initial spending |
| Exclusive Offer (June 2026) | Additional 5,000 IndiGo BluChip voucher on spends of ₹15,000 in first 30 days | Limited-time bonus for new cardholders |
This dual-card setup allows cardholders to use Mastercard’s global reach for international transactions and RuPay’s UPI integration for convenient domestic payments, all while consolidating rewards into a single BluChips account.
BluChips Rewards & Earning Structure 2026
The IndiGo IDFC FIRST Credit Card allows cardholders to earn up to 22 BluChips per ₹100 spent on IndiGo’s website and app (as of 2026). These BluChips are the loyalty currency of IndiGo, designed to reward members for both air travel and daily transactions.
The card offers various ways to accumulate BluChips, including welcome bonuses, activation rewards, and milestone benefits throughout the year.
| Reward Category | BluChips Earning / Benefit | Criteria / Notes |
|---|---|---|
| Maximum BluChips on IndiGo Website/App | Up to 22 BluChips/₹100 spent | For IndiGo flight bookings and other transactions via official website or app (Source: IndiGo IDFC FIRST Credit Card Review 2026) |
| Direct BluChips on IndiGo Transactions (Card Itself) | 6 BluChips/₹100 spent | Base earning rate from the IDFC FIRST Credit Card on IndiGo transactions |
| Welcome Benefit (Standard) | 5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher | On payment of the ₹4,999 + GST joining/renewal fee |
| Additional Welcome Offer (Limited Period) | 5,000 IndiGo BluChip Voucher | On spends of ₹15,000 in the first 30 days of card generation (Offer Period: June 1 to June 30, 2026) |
| Activation Bonus | 3,000 IndiGo BluChips Voucher | On spending ₹1,00,000 in the first 90 days of card issuance |
| Annual Renewal Benefit | 5,000 BluChip voucher + 1 complimentary IndiGo meal voucher | On payment of the annual charge (₹4,999 + GST) |
| Milestone BluChips Vouchers | Up to 25,000 IndiGo BluChips annually | 5 vouchers of 5,000 BluChips each on crossing annual spends of ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh |
| BluChips on Insurance, Rent, Utility, Wallet Spends | 0.5 BluChips/₹100 spent | Reduced earning rate for specific transaction categories |
| BluChips on Other Eligible Spends | 3 BluChips/₹100 spent | For general retail purchases, dining, entertainment, etc. |
| BluChips on EMI Transactions | No BluChips earned | EMI conversions do not accrue BluChips |
| BluChips Voucher Validity | 6 months | All IndiGo BluChips vouchers are valid for six months from issuance |
| BluChip Value (Typical) | ₹0.40 to ₹0.60 per BluChip | General redemption value for BluChips |
| BluChip Value (Select Fares) | ₹1 or more per BluChip | Higher redemption value possible on specific IndiGo fares |
| Voucher Credit Time (Milestone) | 5 days | After the statement generation date of the month in which the spend milestone was achieved |
The dual-network feature (Mastercard and RuPay) ensures all spending contributes to a unified BluChip earning pool, maximizing rewards across various transaction types.
Applying for the IndiGo IDFC FIRST Card
Applying for the IndiGo IDFC FIRST Credit Card in 2026 involves two main pathways: a credit eligibility-based application or a secured option via a Fixed Deposit (FD). The secured variant requires an FD of at least ₹1 lakh, offering approval without a prior credit history.
The application process is streamlined, with an exclusive offer period running from June 1 to June 30, 2026, for additional BluChips.
- Eligibility Criteria: Applicants must be at least 18 years old and a resident of India with a permanent residential address within the country.
- Unsecured Card Application: For the unsecured variant, IDFC FIRST Bank assesses credit eligibility, typically requiring an annual income of ₹12 lakh or more for cards like the IDFC FIRST Select.
- Secured Card Option: Individuals without a credit history can apply for the secured variant by creating or linking a Fixed Deposit of ₹1 lakh or more, bypassing the traditional credit check.
- Dual Card Issuance: A single application provides both a Mastercard and a RuPay credit card, sharing the same credit limit and statement for d flexibility.
- BluChip Membership Linkage: Prospective cardholders should register for an IndiGo BluChip membership before applying to ensure seamless integration of rewards.
- Application Deadline: The exclusive offer for additional BluChips is valid for applications submitted by June 30, 2026.
- Welcome Benefits: Upon payment of the ₹4,999 + GST joining fee for the unsecured card, cardholders receive a 5,000 IndiGo BluChips Voucher and a 6E Eats Voucher.
- Activation Bonus: An additional 3,000 IndiGo BluChips Voucher is awarded upon spending ₹1,00,000 within the first 90 days of card issuance.
The card delivery typically takes 5 working days after the joining fee payment or FD creation, ensuring quick access to benefits.
Exclusive Travel Benefits & Perks
The IndiGo IDFC FIRST Credit Card offers specific travel benefits, including low forex charges and trip cancellation coverage. Cardholders receive up to 22 BluChips per ₹100 spent on IndiGo bookings, making IT ideal for frequent flyers (Source: IndiGo IDFC FIRST Credit Card Review 2026).
- Low Forex Markup: The card features a competitive 1.49% forex charge, significantly lower than the typical 3.5% charged by many other credit cards. This makes international transactions more cost-effective.
- Trip Cancellation Coverage: Cardholders receive coverage of up to ₹25,000 per year for flight and hotel cancellations, with a limit of two claims annually. This provides financial protection for unexpected travel changes.
- Personal Accident Cover: The card includes a personal accident cover of ₹10 lakh, offering substantial security during travel.
- Lost Card Liability: A lost card liability cover of ₹50,000 protects against unauthorized transactions if your card is lost or stolen.
- Welcome BluChips Voucher: Upon payment of the ₹4,999 + GST joining or renewal fee, cardholders receive a 5,000 IndiGo BluChips Voucher.
- 6E Eats Voucher: A complimentary 6E Eats Voucher is also provided as a welcome benefit, alongside the BluChips voucher.
- Activation Bonus: An additional 3,000 IndiGo BluChips Voucher is awarded when you spend ₹1,00,000 within the first 90 days of card issuance.
- Milestone BluChips: Cardholders can earn up to 25,000 bonus BluChips annually through milestone benefits, with vouchers credited five days after achieving spending targets.
These exclusive benefits the travel experience for IndiGo passengers, offering both savings and protection.
IndiGo IDFC FIRST Vs. Other IndiGo Cards
The IndiGo IDFC FIRST Credit Card offers a unique dual-card system (Mastercard and RuPay) and a high reward rate of up to 22 BluChips per ₹100 spent on IndiGo bookings. In comparison, the IndiGo Kotak card provides 5 BluChips per ₹100, while the IndiGo Kotak XL offers similar reward rates to the IDFC FIRST card with additional lounge access.
The IDFC FIRST card features a competitive 1.49% forex markup, making IT suitable for international transactions, unlike many other cards that charge around 3.5%.
| Feature | IndiGo IDFC FIRST | IndiGo Kotak | IndiGo Kotak XL |
|---|---|---|---|
| Card Type | Dual (Mastercard + RuPay) | Not specified | Not specified |
| Joining/Annual Fee | ₹4,999 + GST (unsecured); ₹0 (secured with ₹1 lakh FD) | ₹1,500 + GST | ₹3,000 + GST |
| Welcome Benefit | 5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher (renews annually) | Not specified | Not specified |
| Activation Bonus | 3,000 BluChips on ₹1,00,000 spend in 90 days | Not specified | Not specified |
| Reward Rate (IndiGo bookings) | Up to 22 BluChips/₹100 spent (on IndiGo website/app) | 5 BluChips/₹100 spent | Nearly identical to IDFC FIRST (marginal difference of 1 BluChip/₹100) |
| Reward Rate (Other spends) | 3 BluChips/₹100 (eligible spends); 0.5 BluChips/₹100 (utility, rent, insurance, wallet) | Not specified | Not specified |
| Forex Charges | 1.49% | Not specified | Not specified |
| Airport Lounge Access | Not specified (lack of lounge access mentioned as limitation) | Not specified | Two free domestic airport lounge visits each quarter |
| Trip Cancellation Cover | Up to ₹25,000 per year (2 claims/year) | Not specified | Not specified |
| Personal Accident Cover | ₹10 Lakh | Not specified | Not specified |
| Lost Card Liability Cover | ₹50,000 | Not specified | Not specified |
| Secured Card Option | Available (with ₹1 lakh FD) | Not specified | Not specified |
The IndiGo IDFC FIRST card’s dual-network functionality and lower forex charges provide distinct advantages for both domestic and international travelers compared to other co-branded IndiGo cards.
Secured Vs. Unsecured Card Options
The IndiGo IDFC FIRST Credit Card offers both secured and unsecured variants, catering to different credit profiles. The unsecured option requires a strong credit history and has a joining fee of ₹4,999 + GST, while the secured variant requires a fixed deposit (FD) of at least ₹1 lakh.
This dual offering ensures broader accessibility, especially for individuals without an established credit score, as confirmed by IDFC FIRST Bank (as of June 2026).
- Unsecured Variant: This option is for applicants with a good credit history, typically a CIBIL score above 750. IT comes with a joining fee and an annual renewal fee of ₹4,999 + GST.
- Secured Variant: Designed for individuals with limited or no credit history, this card requires a fixed deposit of ₹1 lakh or more with IDFC FIRST Bank. IT has no joining fee or annual renewal fee.
- Credit Limit: For the secured card, the credit limit is typically a percentage of the fixed deposit amount. Both variants share a unified credit limit and statement if issued as a dual card.
- Eligibility: The unsecured card requires meeting specific income and credit score criteria, while the secured card primarily depends on the FD amount. Applicants for the secured card must be at least 18 years old and Indian residents.
- Benefits Parity: Both secured and unsecured variants of the IndiGo IDFC FIRST Dual Credit Card offer similar BluChips earning rates and travel benefits, including up to 22 BluChips per ₹100 spent on IndiGo bookings.
Choosing between the secured and unsecured options depends on your existing credit profile and financial comfort with blocking funds in a fixed deposit.
Important Updates & Terms for 2026
The IndiGo IDFC FIRST Credit Card offers a unique dual-card feature for 2026, providing both Mastercard and RuPay variants under a single application. This setup allows for wider acceptance and flexible payment options, including UPI linkage for the RuPay card.
For those without a credit history, a secured variant is available, requiring a Fixed Deposit (FD) of ₹1 lakh or more with IDFC FIRST Bank.
- Dual Card Functionality: The IndiGo IDFC FIRST Credit Card provides both Mastercard and RuPay cards, sharing a single credit limit and statement for unified management.
- Secured Card Option: Applicants without a credit history can opt for an FD-backed variant by creating or linking a Fixed Deposit of at least ₹1 lakh with IDFC FIRST Bank.
- Joining and Renewal Fees: The unsecured variant carries a joining fee of ₹4,999 + GST and an annual renewal fee of ₹4,999 + GST from the second year onwards.
- Exclusive Activation Offer (June 2026): An additional 5,000 IndiGo BluChip voucher is available for cardholders who spend ₹15,000 within the first 30 days of card generation, valid from June 1, 2026, to June 30, 2026.
- Forex Markup: The card features a competitive forex markup of 1.49% on international transactions, lower than the typical 3.5% charged by many other credit cards.
- BluChips Voucher Validity: All IndiGo BluChips vouchers received as welcome benefits, activation bonuses, or milestone rewards are valid for 6 months from their issuance date.
These updates ensure cardholders benefit from d flexibility and tailored reward structures for their travel and daily spending in 2026.
Key Takeaways
- The IndiGo IDFC FIRST Credit Card offers a dual Mastercard and RuPay setup, sharing a single credit limit and statement.
- A secured variant is available for those without credit history, requiring a minimum Fixed Deposit of ₹1 lakh.
- The card features a 1.49% forex markup, significantly lower than the standard 3.5% on many other credit cards.
Check eligibility and apply for the IndiGo IDFC FIRST Credit Card at the official IDFC FIRST Bank website.
Frequently Asked Questions (FAQs)
What is the IndiGo IDFC FIRST Dual Credit Card?
The IndiGo IDFC FIRST Dual Credit Card is a co-branded card offering both Mastercard and RuPay networks through a single application. This dual card provides wider acceptance and payment flexibility, designed for frequent IndiGo flyers. IT allows cardholders to earn IndiGo BluChips on their spending.
What are the welcome benefits for the IndiGo IDFC FIRST Credit Card?
Upon paying the ₹4,999 + GST joining fee, cardholders receive a 5,000 IndiGo BluChips Voucher and a 6E Eats Voucher. An activation bonus of 3,000 IndiGo BluChips is also awarded for spending ₹1,00,000 within the first 90 days. These benefits renew annually upon payment of the renewal fees.
How many BluChips can I earn with the IndiGo IDFC FIRST Credit Card?
Cardholders can earn up to 22 BluChips per ₹100 spent on IndiGo flight bookings made via the official website or app. The IndiGo IDFC FIRST Credit Card itself offers 6 BluChips per ₹100 on IndiGo transactions, with additional earnings coming from the BluChip loyalty program. BluChips are credited to your IndiGo BluChip account five days after the statement generation date.
What are the forex charges on the IndiGo IDFC FIRST Credit Card?
The IndiGo IDFC FIRST Credit Card features a low forex charge of 1.49% on international transactions. This rate is competitive compared to other credit cards, which typically charge around 3.5% for foreign currency conversions. This makes IT a suitable option for international travel.
Can I get an IndiGo IDFC FIRST Credit Card without a credit history?
Yes, you can apply for the IndiGo IDFC FIRST Credit Card even without a credit history by applying against a Fixed Deposit (FD). This secured card option allows you to bypass the traditional credit check requirements. Your credit limit will be linked to the FD amount.
What are the milestone benefits of the IndiGo IDFC FIRST Credit Card?
The card offers up to 30,000 bonus BluChips annually based on spending milestones. These vouchers are credited to your IndiGo BluChip account five days after the statement generation date of the month in which the respective milestone is achieved. Specific spending tiers apply for these bonuses.
Does the IndiGo IDFC FIRST Credit Card offer travel insurance benefits?
Yes, the IndiGo IDFC FIRST Credit Card includes travel benefits such as flight and hotel cancellation coverage up to ₹25,000 per year. This provides financial protection against unforeseen changes to your travel plans. This coverage is an exclusive benefit of the card.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.