About IndiGo IDFC FIRST Dual Credit Card
IndiGo IDFC FIRST Dual Credit Card is a co-branded travel credit card launched in partnership with IndiGo airlines. It comes in two variants—an unsecured version with a joining fee of ₹4,999 and a secured version that requires a fixed deposit of ₹1 lakh or more but has no joining fee. The secured option is helpful for beginners who may find it difficult to get a regular IDFC FIRST credit card.
Both variants come with dual network benefits, offering two physical cards—one on Mastercard and one on RuPay. These cards share the same credit limit, billing statement, and rewards, making it convenient to manage. From the second year onwards, an annual fee is applicable on both variants.
This card focuses on travel benefits and is part of the IndiGo BluChip co-branded card range. You can earn up to 22 IndiGo BluChips per ₹100 spent, along with bonus vouchers worth up to 30,000 BluChips every year through milestone and fee benefits. It also offers a lower forex mark-up and trip cancellation cover, making it a strong option for frequent flyers who want to save more on travel.
IndiGo IDFC FIRST Dual Credit Card Rewards Program
Rewards Program
- Earn up to 22 BluChips per ₹100 on IndiGo flight bookings via the app or website (includes 6 BluChips from card usage, 8 from membership, 4 as channel bonus, and up to 4 as tier bonus)
- Earn 3 BluChips per ₹100 on all other spends
- Earn 0.5 BluChips per ₹100 on UPI (RuPay), fuel, insurance, rent, utility, and wallet transactions
- Redeem BluChips for IndiGo flight bookings through your BluChip account
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get 3,000 BluChips as an early activation bonus on spending ₹1 lakh within the first 90 days
Golf Benefits
- Enjoy 4 complimentary golf rounds and 12 golf lessons every year through Mastercard privileges
Suggested Read: Best Golf Credit Cards in India for 2026
Fee Payment Bonus
- Receive 5,000 BluChips and a complimentary meal voucher every year on joining or annual fee payment
Forex Mark-up Fee
- Low forex mark-up fee of 1.49% on international spends
Milestone Benefits
- Earn up to 25,000 bonus BluChips annually with 5,000 BluChips on each spend milestone (₹2L, ₹5L, ₹8L, ₹10L, ₹12L)
Trip Cancellation Cover
- Get reimbursement of up to ₹25,000 per year on non-refundable flight or hotel cancellations
Also Read: Best Credit Cards in India 2026
Fees and 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 |
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Document Required For IndiGo IDFC FIRST Dual Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IndiGo IDFC FIRST Dual Credit Card Highlights
What do we like about this card?
- Earn up to 22 BluChips per ₹100 on IndiGo flight bookings via app or website
- Earn 3 BluChips per ₹100 on regular spends and 0.5 BluChips on UPI, fuel, rent, utilities, insurance & wallet spends
- Get 3,000 BluChips as welcome bonus on spending ₹1 lakh within 90 days
- Receive 5,000 BluChips and a complimentary meal voucher every year on fee payment
- Earn up to 25,000 BluChips annually as milestone bonus on spends
- Low forex mark-up fee of 1.49% on international transactions
- Get trip cancellation cover of up to ₹25,000 per year
- Enjoy 4 complimentary golf rounds and 12 golf lessons every year
Things to Know Before you apply
Get this card if:
- You prefer flying with IndiGo and want better value on flight bookings
- You want a travel card with low forex charges and trip cancellation cover
- You spend regularly on flights and want to earn rewards on travel expenses
Pros
- Get annual fee payment bonus every year
- Enjoy trip cancellation cover every year
- Earn up to 25,000 BluChips as milestone bonus
- Earn up to 22 BluChips per ₹100 on IndiGo flight bookings
- Get rewards on UPI and categories like rent, utilities, wallet, etc.
Cons
- No annual fee waiver
- No complimentary airport lounge access
- Limited lifestyle benefits on non-travel spends
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
The secured version has no joining fee, but an annual fee of ₹1,499 is charged from the second year onwards.
Yes, you need to enroll in the IndiGo BluChip program to use the card benefits.
No, both Mastercard and RuPay versions are issued together as two separate physical cards with the same account and limit.
No, joining the IndiGo BluChip program is free. You start with the base tier and can upgrade based on your spending.
No, BluChips are not earned on transactions like cash withdrawals and EMI purchases.
