IndiGo IDFC FIRST Dual Credit Card
Travel
1st Year Fee: ₹4,999* Plus Applicable Taxes
Rewards
Up to 22% BluChips as rewards on spends
Co-branded
Up to 30,000 bonus BluChips every year
Travel
Trip cancellation cover of Rs. 25,000 per year
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About IndiGo IDFC FIRST Dual Credit Cards
IndiGo IDFC FIRST Dual Credit Card is a co-branded card in partnership with IndiGo airlines. It comes in two variants: one unsecured with a joining fee of Rs. 4,999, and the other secured which does not charge any joining fee but is backed by an FD of Rs. 1 lakh or more. The secured option can be quite beneficial for new to credit individuals who may otherwise find it difficult to get a good travel credit card.
Regardless of the variant you choose, you will be charged an annual fee from the 2nd year onwards. Both variants offer dual network benefits, with two physical cards, one from Mastercard and the other from RuPay, which share the same credit limit, statement, and a common rewards pool.
This IDFC FIRST Bank credit card comes with travel-focused features and is another addition to IndiGo BluChip co-branded card line-up, which already includes the IndiGo Kotak and IndiGo Kotak XL credit cards. With a high reward rate of up to 22 IndiGo BluChips on every Rs. 100 spent, bonus vouchers worth up to 30,000 BluChips per year as milestone and fee payment benefits, a reduced forex mark-up fee, and complimentary trip cancellation cover, this card makes travel more affordable and rewarding. Read on to know its features and benefits in detail.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST Bank website.
Rewards Program
IndiGo BluChips are offered as rewards on every Rs. 100 spent –
- Up to 22 BluChips: On flight bookings through IndiGo app/website, where
- 6 IndiGo BluChips for using IDFC FIRST IndiGo Credit Card
- 8 IndiGo BluChip for IndiGo BluChip members
- 4 IndiGo BluChips as channel bonus on booking via IndiGo app/website
- Up to 4 IndiGo BluChips as tier bonus as per your IndiGo BluChip tier status1
- 3 BluChips: On other category spends2
- 0.5 BluChips: On UPI (via RuPay card variant), fuel, insurance, rent, utility and wallet spends
- Redemption: The earned IndiGo BluChips are redeemable against IndiGo flight bookings by logging into your IndiGo BluChip account
Other Features & Benefits
- Welcome Benefit: Early activation bonus as a voucher of 3,000 BluChips on spending more than Rs. 1 lakh in the 1st 90 days
- Fee Payment Bonus3: Voucher of 5,000 IndiGo BluChips and voucher for a complimentary meal every year on joining or annual fee payment.
- Forex Mark-up Fee: 1.49%
- Milestone Benefits: Up to 25,000 bonus IndiGo BluChips are credited as per the annual spends.
Here, voucher of 5,000 BluChips is given on reaching each annual spend milestone of Rs. 2 lakh, Rs. 5 lakh, Rs. 8 lakh, Rs. 10 lakh and Rs. 12 lakh respectively
- Trip Cancellation Cover: Reimbursement of up to Rs. 25,000 every year on cancellation of non-refundable flight or hotel bookings
- Golf Benefits: 4 complimentary golf rounds and 12 golf lessons every year through Mastercard privileges
IndiGo IDFC FIRST Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 4,999 + applicable taxes (Nil for FD backed card variant) |
| Annual Fee | Rs. 4,999 + applicable taxes |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% to 46.2% p.a.) |
| Late Payments Fees | 15% of total amount due, subject to a minimum of Rs. 100 and a maximum of Rs. 1,300 |
Things to Know Before you apply
Get This Card If:
You travel frequently and flight bookings take up a considerable portion of your annual spending budget
You prefer IndiGo airlines over others while booking your flights
You are looking for a credit card that comes with trip cancellation cover
You want a travel card with low forex mark-up
Similar Cards:
IndiGo Kotak Credit Card
Emirates Skywards ICICI Sapphiro Credit Card
IndiGo Kotak XL Credit Card
KrisFlyer SBI Card
Paisabazaar Review
What do we like about this card?
IndiGo IDFC FIRST Dual Credit Cards offer good co-branded travel benefits of up to 22% IndiGo BluChips on IndiGo flight bookings and bonus vouchers worth up to 25,000 BluChips as per your annual spends. The annual fee is well compensated with 5,000 BluChips and a free meal voucher. Moreover, the trip cancellation coverage provides a safety net against any loss you may incur due to changes in travel plans. A lower forex mark-up fee of 1.49% also aids in reducing the additional costs on international purchases. The dual cards on different networks and the flexibility to choose between the joining fee and FD backed card variant adds to the overall value of this co-branded travel credit card.
Pros
- Up to 22 BluChips on every Rs. 100 spent on Indigo flight bookings
- Rewards on UPI and usually excluded categories like rent, utility, wallet, etc
- Up to 25,000 bonus IndiGo BluChips as milestone bonus
- Fee payment bonus offered every year
- Trip cancellation coverage every year
Cons
- No complimentary airport lounge access despite being a travel card
- No lifestyle benefits on non-travel spending categories
- No annual fee waiver
Conclusion
IndiGo IDFC FIRST Credit Card is a good choice for IndiGo loyalists who want a dedicated co-branded travel card with high saving potential on their IndiGo air travels. However, if the cardholder wishes to maximise their value-back, a higher tier status (Blu 1 or 2) of IndiGo BluChip program and meeting the milestone limits for bonus BluChips vouchers must be taken into consideration. The lack of any non-travel lifestyle benefit may also dampen the appeal of this card for those looking for a card with a decent value-back on overall spends. So, if you only wish to focus on IndiGo flight savings, then this card can be a great match for you, but for better overall savings, you may have to look for other cards with all-rounder benefits.
Frequently Asked Questions
Everything you need to know about this credit card
No, both Mastercard and RuPay variants are given to all IDFC FIRST IndiGo credit cardholders as two separate physical cards.
No, the Rupay variant of IndiGo IDFC FIRST credit card is not a digital/virtual card, but is offered as a physical card.
Yes, you must enroll in the IndiGo BluChip membership program to avail the benefits of IndiGo IDFC FIRST Credit Card.
You can enroll into the IndiGo BluChip Program for free. You will get the entry-level base tier status of Blu 3, which you can upgrade from if your IndiGo spends meet the qualifying criteria.
Though the secured FD backed IndiGo IDFC FIRST Credit Card variants does not charge any joining fee, you will have to pay an annual fee of Rs. 1,499 from 2nd year onwards.
Footnotes
- Blu 1 tier members earn 4 bonus IndiGo BluChips, Blu 2 tier members earn 2 bonus IndiGo BluChips and Blu 3 tier members do not earn any bonus IndiGo BluChips
- Exclusions: No IndiGo BluChip is rewarded on cash transactions and EMIs
- Here, joining fee payment bonus is not offered to the cardholders who have opted for an FD backed card variant, while the annual fee payment bonus is offered to all card users
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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