Question 1

What is the annual fee on the IndiGo IDFC FIRST Dual Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the IndiGo IDFC FIRST Dual Credit Card?

Accepted Answer

IDFC FIRST Bank publishes the earn rate for this card by category rather than as a single number, and the rate has moved more than once. Pull the current rate from your latest statement rather than the brochure, then multiply it by your monthly spend in that category. That number, minus the fee, is the only figure that matters.

Question 3

Does the IndiGo IDFC FIRST Dual Credit Card give free airport lounge access?

Accepted Answer

The IndiGo IDFC FIRST Dual Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. There is no prior spend requirement on paper, though IDFC FIRST Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the IndiGo IDFC FIRST Dual Credit Card recently and is it still worth it in 2026?

Accepted Answer

BluChips only up to credit limit/cycle & only if min due paid (Jun 2026); FASTag/railway/govt/education cut to 0.5X (Jul 2026). The changes are dated Jun 18, 2026; Jul 22, 2026. At ₹5L of yearly spend the card returns roughly ₹100 at its general rate of about 0.02%, against a ₹4,999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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IndiGo IDFC FIRST Dual Credit Card

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