Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Get instant access to loans, credit cards, and financial tools — all in one place
Scan to download on
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
1st Year Fee: ₹ 0
Rewards
Up to 22% BluChips rewards
Co-branded
Up to 30,000 BluChips every year
Travel
Trip cancellation cover of Rs. 25,000 p.a.
Author: Ruchi Bageja
Find Best Credit Card Offers
It hardly takes 2 minutes
The entered number doesn't seem to be correct
The IndiGo First Dual Credit Card Against FD is a co-branded secured credit card issued against a Fixed Deposit (FD). This card is best suited for individuals who are new to credit or have limited credit history and may otherwise face difficulties to qualify for feature-rich travel credit cards.
The IDFC First Bank Credit Card can be availed by opening a fixed deposit of Rs. 1 Lakh with IDFC FIRST Bank. Upon doing so, the card is offered with a zero joining fee which is a notable advantage over its unsecured counterpart-IndiGo IDFC FIRST Dual Credit Card which comes with a joining fee of Rs. 4,999. The secured version is beneficial for individuals who want a travel-focused card but cannot qualify for one due to no credit history or poor credit score. This FD-backed card offers the same key benefits as the standard unsecured variant – an IndiGO focused value-back system, along with travel perks like low forex mark-up fee and a complimentary trip cancellation cover. These features make it an ideal choice for IndiGo loyalists who want to save on their air travel while strengthening their credit profile. Read on to know its benefits, followed by a detailed review.
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.
IndiGo BluChips are offered as rewards on every Rs. 100 spent –
Up to 22 BluChips: On flight bookings through IndiGo app/website, BluChips are made up of:
3 BluChips: per Rs. 100 on general category spends2
0.5 BluChips: per Rs. 100 on UPI payments (RuPay card variant), fuel, insurance, rent, utilities, and wallet top-ups
Redeeming your BluChips: All earned BluChips can be used towards IndiGo flight bookings by signing into your IndiGo BluChip account


Welcome Benefit: Early activation bonus of 3,000 BluChips credited as a voucher when you spend over Rs. 1 Lakh within your first 90 days
Forex Mark-up Fee: Low forex mark-up fee of just 1.49% on international spends
Milestone Benefits: Up to Rs. 25,000 bonus IndiGo BluChips credited based on your total annual spending
Trip Cancellation Cover: Up to Rs. 25,000 per year in reimbursements if you need to cancel non-refundable flight or hotel bookings
Golf Benefits: 4 complimentary rounds and 12 free lessons every year, available through Mastercard privileges
| Particulars | Amount |
|---|---|
| Joining Fee | NIL against FD of Rs. 1 Lakh and above |
| Annual Fee | Rs. 4,999 + taxes (2nd year onwards) |
| 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 |
You have never had a credit card before or have a low/no credit score that makes it difficult for you to qualify for unsecured card
You frequently travel with IndiGo Airlines and would like to earn value-back in the form of BluChips
You want additional travel benefits like low forex mark-up and trip cancellation cover
You want to build or repair your credit score while earning benefits on travel
Travel4.0/5
Rewards3.5/5
Co-branded Benefits4.0/5
The IndiGo IDFC FIRST Dual Credit Card Against FD makes a practical entry point into the world of co-branded travel credit cards, especially for those who are new to credit or have struggled to meet the eligibility requirements of traditional unsecured cards. By opening a fixed deposit of Rs. 1 Lakh or more with IDFC FIRST Banks, applicants can get this card with the same benefits as its unscured variant without paying any joining fee. It is best suited for frequent IndiGo flyers for rewards it offers such as 22 BluChips per Rs. 100 on IndiGo bookings, annual milestone bonuses, trip cancellation coverage and low forex markup-fee. This card is well-equipped to make air travel affordable and rewarding. The dual network card benefit of a Mastercard and a RuPay card under a single account adds to its convenience.
Everything you need to know about this credit card
Rs. 1 Lakh is the minimum fixed deposit required to get IDFC FIRST Dual Credit Card Against FD.
Yes. You will be charged Rs. 4,999 + applicable taxes from 2nd year onwards on this card. For the first year there is no annual or joining fee.
The main difference between both the card lies in issued and joining fee. The FD-backed variant is a secured credit card which is issued against a fixed deposit of Rs. 1 Lakh or more and comes with zero joining fee. Whereas the regular variant is an unsecured credit card that comes with a joining fee of Rs. 4,999. However, all other features and benefits remain the same.
Yes. The fixed deposit will continue to earn interest. It simply serves as a security deposit for the credit card.
Typically, limit on a secured credit card is set as a percentage of the fixed deposit. However, the exact limit is decided by the bank at the time of card issuance.
Click here to know More Terms and Conditions
Ruchi believes content is one way by which one can gain a lot of knowledge. At Paisabazaar, she writes content about personal finance which helps people gain knowledge about this sector. She loves to impart as much as she can to the world. Also, she is a passionate reader and believes that books can make a lot of difference to one's life.
Choose a Card Matching Your Lifestyle
Please enter a valid full name
The entered number doesn't seem to be correct