Card Details

7986 7935 4623 4513

IndiGo IDFC FIRST Dual Credit Card

IDFCMASTERCARD, RUPAY

Card Issuer

IDFC FIRST Bank

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

Miles

Card Access

Standard

Changes to this card

  1. 5 Oct 2026

    Official product page updated.

Earn Points

22Rp/₹100

On indigo bookings

3Rp/₹100

On other spends

0.5Rp/₹100

On upi spends

0.5Rp

Per ₹100 on insurance, fuel, utilities, rent, wallets, fastag, education, railway and government-service spends

Benefits

Travel

Up to 22 BluChips per ₹100 on IndiGo bookings

  • Up to 22 IndiGo BluChips per ₹100 on IndiGo flights booked on the IndiGo website and app (6 on the card + up to 16 from IndiGo, by tier)
  • 0% forex markup on international spends
  • Trip cancellation cover: reimbursement on non-refundable flights or hotels, up to ₹25,000 every year
  • Redeem BluChips for IndiGo flights on the IndiGo website and app
Welcome Benefits

Milestone vouchers of up to 25,000 IndiGo BluChips

  • Earn vouchers of up to 25,000 IndiGo BluChips through cumulative annual spending milestones
  • Use the RuPay card for UPI QR payments across 60 million-plus merchants

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Min: ₹5,000Max: ₹2,00,000

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 ROI

Things to Keep in Mind

Up to 22 BluChips per ₹100 is tier-dependent (6 on card + up to 16 from IndiGo based on tier).

BluChip value is variable by route/date and at IndiGo discretion.

No BluChips on cash and EMI transactions.

Milestone vouchers are valid for six months from issuance.

The additional 5,000 BluChip offer for spending ₹15,000 in the first 30 days is valid from 1 June 2026 to 31 August 2026 and is subject to terms and conditions.

The regular variant has a joining fee of ₹4,999 plus GST and both variants have an annual fee of ₹4,999 plus GST from the second year.