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Credit Cards · India

IndiGo IDFC FIRST Dual Credit Card

Updated 5 Jul 2026Source-linked

The IndiGo IDFC FIRST Dual Credit Card is a premium co-branded credit card from IDFC FIRST Bank and IndiGo, with a joining fee of ₹4,999 + GST.

It earns up to 22 miles per ₹100 (≈9.9% value) on IndiGo spends in the form of indigo bluchips (miles).

Cardholders get 4 quarterly domestic + 4 annual international airport lounge access, plus 5,000 indigo bluchips welcome voucher + 6e eats voucher — renews on fee payment as a welcome benefit.

IDFC FIRST Bank logo
IndiGo IDFC FIRST Dual Credit Card
Mastercard logo
  • Joining Fee₹4,999
  • Annual Fee₹4,999
  • Best Suited ForTravel
  • Reward TypeIndiGo BluChips (miles)
Rewards Rate
  • 22 miles per ₹100 on indigo flights direct
  • 3 miles per ₹100 on dining entertainment
  • Base 0.50% on other spends
Welcome Benefits
  • 5,000 IndiGo BluChips welcome voucher + 6E Eats voucher — renews on fee payment
Data verified 5 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTMastercard logoworldpremiumCo-brand · IndiGo ↗
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Rewards and Benefits

Rewards Rate
22 miles per ₹100 on indigo flights direct
3 miles per ₹100 on dining entertainment
Base 0.50% on other spends.
Reward Redemption
IndiGo flights + 6E Prime add-ons: IndiGo BluChip floats ~Rs0.40-0.60 toward IndiGo fares (min 500); no fixed value.
Welcome Benefits
5,000 IndiGo BluChips welcome voucher + 6E Eats voucher — renews on fee payment
Milestone Rewards
  • ₹1,00,000 / quarterly: 3,000 IndiGo BluChips activation bonus (first 90 days only)
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
4 visits each annual.
Travel
Co-branded with IndiGo; 22 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • other: ₹25,000
Other Benefits
  • Dual network (Mastercard + RuPay) — Card combines Mastercard (global acceptance, 1.49% forex) with a RuPay chip for seamless UPI transactions — one of the few dual-network cards in the Indian market.
  • 6E Eats voucher — Complimentary 6E Eats voucher redeemable on IndiGo in-flight meals as part of the welcome and renewal benefit.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹108/mo

    You spend ₹8,000 · earns 1.4% = ₹108 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.5% = ₹68/mo
  • Groceries₹8,000 · 0.5% = ₹36/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹45/mo

    Travel & hotels — earns base; accelerated rate needs booking via indigo-app, indigo-web

  • Utilities & bills₹5,000 · 0.5% = ₹23/mo
Est.net rewards for this spend, realistic
₹-1,651/yr

₹3,348 rewards − ₹4,999 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.49%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded premium card by IDFC FIRST Bank and IndiGo.
  • Joining / annual fee of ₹4,999 + GST.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (4/quarterly) + international (4/annual).
  • Insurance cover bundled: other.

Pros & Cons

Pros
  • Low forex markup of 1.49% — suited to international spends.
  • Complimentary international airport lounge access.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈9.9% on indigo flights direct.
Cons
  • No annual-fee waiver option.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • 5,000 IndiGo BluChips welcome voucher + 6E Eats voucher — renews on fee payment
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 22 miles per ₹100 on indigo flights direct
    Merchants: indigo-web, indigo-app
    Up to 22 visible BluChips per ₹100 on IndiGo web/app bookings. ~6 is card-attributable; the rest stacks from BluChip baseline + channel + tier earn (joined via loyalty_program: indigo-bluchip). Headline of 22 assumes top-tier BluChip status.
  • 3 miles per ₹100 on dining entertainment

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹1,00,000 / quarterly: 3,000 IndiGo BluChips activation bonus (first 90 days only) (≈ ₹3,000 value)

Airport lounge access

Domestic
4 visit(s) / quarterly. Via dreamfolks.
Complimentary domestic lounge visits via Dreamfolks (exact cap pending IDFC FIRST T&C verification).
International
4 visit(s) / annual. Via loungekey.

Insurance benefits

  • other: ₹25,000
    Flight and hotel cancellation coverage up to ₹25,000.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Other benefits

  • Dual network (Mastercard + RuPay). Card combines Mastercard (global acceptance, 1.49% forex) with a RuPay chip for seamless UPI transactions — one of the few dual-network cards in the Indian market.
  • 6E Eats voucher. Complimentary 6E Eats voucher redeemable on IndiGo in-flight meals as part of the welcome and renewal benefit.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
750+
Income (salaried)
₹9,00,000 p.a.
Income (self-employed)
₹9,00,000 p.a.

FD-backed variant available for customers without credit history — ₹1L FD pledge unlocks the card.

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