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IndiGo IDFC FIRST Credit Card
An IndiGo co-brand card with two cards on one account (Mastercard and RuPay for UPI). It earns BluChips on every spend, has big milestone bonuses and 0% forex markup.
Joining fee₹4,999 + GST
Annual fee₹4,999 + GST
Fee waiverNone
Top reward6 BluChips per ₹100 on IndiGo
LoungeNone
Forex markup0%
Best for: Frequent IndiGo flyers spending ₹2 lakh or more a year who want free flights.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| IndiGo flights (website and app) | 6 BluChips per ₹100 (about 2.5%) | – |
| Other spends | 3 BluChips per ₹100 (about 1.3%) | – |
| Fuel, insurance, utilities, rent, wallet, UPI, education, government, FASTag, railway | 0.5 BluChip per ₹100 | – |
| Cash advances, EMI | Nothing | – |
- BluChips can only be used on IndiGo base fares; we value one at about ₹0.42.
- BluChips are not credited for a cycle where the minimum due is missed.
- From 26 Oct 2026, international spends earn 1 BluChip per ₹100 (down from 3).
Benefits
Welcome benefit
- 5,000 BluChips on joining, plus 3,000 more on ₹1 lakh spend in 90 days.
- 3 months of EazyDiner Prime and a ₹3,000 Postcard Hotels voucher.
Milestones
- 5,000 BluChips each at ₹2, 5, 8, 10 and 12 lakh yearly spend (up to 25,000 a year).
Travel and lounges
- No lounge access.
- Trip cancellation cover up to ₹25,000 a year.
Fuel and forex
- 0% forex markup (from 9 Sep 2026).
Other perks
- Golf on the Mastercard: 12 rounds and 12 lessons a year
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹4,999 + GST (₹5,899) |
|---|---|
| Annual fee | ₹4,999 + GST |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 and above
- Salaried or self-employed with income proof
- FD-backed version available (no joining benefits)
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Strong BluChip earning
- Large milestone bonuses
- 0% forex markup
Watch out for
- High fee and no waiver
- No lounge access
- BluChips only work on IndiGo
Recent changes
- 26 Oct 2026International earn cut from 3 to 1 BluChip per ₹100.
- 9 Sep 2026Forex markup removed.
- 22 Jul 2026FASTag, railway, government and education cut to 0.5 BluChip per ₹100.
Frequently asked questions
Can I link IndiGo IDFC FIRST to UPI?
Yes. You get a RuPay card on the same account, which links to UPI, though most UPI spends earn only 0.5 BluChip per ₹100.
Ready to apply for the IndiGo IDFC FIRST Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.