Card Details
IndiGo IDFC FIRST Dual Credit Card
Monzy Score
5/ 10
Average for frequent travellers.
Lifetime free, so no fee to earn back; thin rewards outside its core category.
Card Issuer
IDFC FIRST Bank
Joining Fee
₹4,999
Annual Fee
₹4,999
Reward Type
Miles
Card Access
Standard
Changes to this card
Earn Points
22 BluChips/₹100
on Indigo App or Website (6+16 Bonus)
3 BluChips/₹100
Other domestic and international spends
0.5 BluChips/₹100
UPI spends made with the RuPay card
0.5 BluChips/₹100
Insurance, fuel, utilities, rent, wallet, FASTag, education, railway & govt. spends
Benefits
Up to 22 BluChips/₹100 on IndiGo bookings
- Accelerated IndiGo rewards
- Earn up to 22 IndiGo BluChips per ₹100 on IndiGo website/app bookings
- Earn 3 IndiGo BluChips per ₹100 on other spends
- Includes IndiGo loyalty bonus based on your BluChip tier
Indigo Fast Forward Priority Service
- Flexible onboarding cost
- ₹4,999 + GST standard joining fee with welcome vouchers
- ₹0 joining fee when backed by a ₹50k fixed deposit
- Annual fee of ₹4,999 + GST applies from year two
8 Domestic Lounge Visits/Year
1.49% forex markup
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
IndiGo website / app
6 BluChips per Rs 100 base (marketed 'up to 22' includes IndiGo tier bonuses, not from card). Redeem 1:1 on IndiGo.
₹1,800
Dining, entertainment & other categories
3 BluChips per Rs 100 on dining, entertainment and all other general categories.
₹0
UPI, fuel, insurance, rent & utility
0.5 BluChips per Rs 100. No fully-excluded categories on this card - even these earn a reduced rate.
₹0
Total Annual Return
₹21,600
6% Effective ROIWhat Users Are Saying
Community Feed
Aug 2025
“New IDFC IndiGo Dual Credit Card Launched”
by r/CreditCardsIndia, Aug 2025
“True value of IDFC IndiGo Credit Card Really for Fuel,”
by r/CreditCardsIndia, Nov 2025
“New IDFC Indigo Dual Credit Card is now live with no”
by r/IndianCreditCards, Aug 2025
“Confusion - IDFC Indigo FD backed”
by r/CreditCardsIndia, May 2026
“New IDFC Indigo Dual Credit Card is now live with no”
by r/IndianCreditCards, Aug 2025
Frequently Asked Questions
The IndiGo IDFC FIRST Dual Credit Card charges ₹4,999 plus GST as a joining fee and the same ₹4,999 again at renewal. IDFC FIRST Bank waives the renewal fee if you spend ₹5L in the previous year, which is about ₹41,667 a month. If your card spend sits below that, treat ₹4,999 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Value of IndiGo BluChips may vary depending on route, booking date, and IndiGo discretion.
A foreign currency markup of 1.49% applies to international transactions.
No BluChips on cash and EMI transactions.
