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IndiGo IDFC FIRST Bank Credit Card
A dual-network (Mastercard + RuPay) IndiGo co-brand card offered in unsecured (₹4,999 fee) and FD-secured (fee-free) variants, competing with the existing Axis and SBI IndiGo cards on accelerated BluChip earnings.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Trip cancellation cover on IndiGo bookings made with the card
Benefits by category
- ✈️ Travel
22% reward rate
- 🛡️ Insurance
Trip cancellation cover on IndiGo bookings made with the card
- 🌍 Forex / international spend
Zero forex markup on international transactions (from 9 Sep 2026); international spends earn only 1 BluChip per ₹100 from 26 Oct 2026 (down from 3) · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0%
Benefits
- Bonus vouchers worth up to 25,000 IndiGo BluChips based on annual spend
- Zero forex markup on international transactions (from 9 Sep 2026); international spends earn only 1 BluChip per ₹100 from 26 Oct 2026 (down from 3)
- Also issued on RuPay with UPI support — link the credit card to a UPI ID for everyday payments
- Trip cancellation cover on IndiGo bookings made with the card
Pros
- + Up to 22% BluChips back on IndiGo flight bookings
- + Also available as a fee-free, FD-secured variant for easier approval
- + Zero forex markup (international spends earn a reduced 1 BluChip per ₹100 from 26 Oct 2026)
Cons
- − ₹4,999 joining fee on the unsecured variant is steep
- − BluChips only have real value if you fly IndiGo regularly
- − Newer co-brand with less of a track record than Axis/SBI's IndiGo cards