IndiGo IDFC FIRST Dual Credit Card Review
The IndiGo IDFC FIRST card comes as a pair — a Mastercard and a RuPay card on one application, sharing one credit limit — so you can swipe abroad and pay by UPI at home. It earns 6 card BluChips per ₹100 on IndiGo bookings and a strong 3 per ₹100 on everyday spends.
Two features set it apart from other IndiGo cards: zero forex markup and the richest milestone ladder (up to 25,000 BluChips a year). It has no lounge access, and BluChips are credited only if you pay at least the minimum due on time.
- 0% forex markup
- 3 BluChips per ₹100 on most everyday spends
- Five milestones of 5,000 BluChips (₹2, 5, 8, 10 and 12 lakh)
- Mastercard and RuPay on one limit — UPI-ready
- Trip cancellation and ₹10 lakh personal accident cover
- ₹4,999 annual fee
- No airport lounge access
- UPI, utilities, insurance and fuel earn only 0.5 per ₹100
- BluChips lost for a cycle if the minimum due is not paid on time
- Spend above your credit limit earns nothing
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | ₹4,999 + GST (FD route: free in year one with a ₹50,000 FD, no joining voucher) |
| Add-on card | ₹499 |
| Forex markup | 0% |
Rewards: how the card earns
| Spend | Card BluChips per ₹100 |
|---|---|
| IndiGo website or app | 6 |
| Other spends | 3 |
| International | 1 |
| UPI; insurance, fuel, utilities, rent, wallet, FASTag, education, railway, government | 0.5 |
| Cash and EMI | 0 |
| Welcome and renewal (fee paid) | 5,000 + meal voucher; extra 3,000 on ₹1 lakh in 90 days |
| Milestones | 5,000 each at ₹2, 5, 8, 10 and 12 lakh a year |
How BluChips work: IndiGo replaced 6E Rewards with BluChips in 2025. When you book on IndiGo’s own website or app, IndiGo itself gives every member up to 16 BluChips per ₹100 (8 base, 4 for booking direct, up to 4 for tier). The card’s BluChips come on top, so a bank’s “up to 20+” headline usually includes IndiGo’s share. BluChips can be redeemed only against IndiGo fares on IndiGo’s site or app (minimum 500 for the first redemption), at a value IndiGo sets by route and date. Card welcome, renewal and milestone BluChips arrive as vouchers that expire six months after issue.
What earns nothing
UPI and essentials (insurance, fuel, utilities, rent, wallet, FASTag, education, railways, government) earn only 0.5 per ₹100. Cash and EMI earn nothing.
Other benefits
| Benefit | Detail |
|---|---|
| Lounges | None |
| Insurance | Trip cancellation up to ₹25,000 a year (2 claims), ₹10 lakh personal accident, ₹50,000 lost card |
| Network | Mastercard + RuPay on one limit |
| Credit rules | BluChips post after the due date, only if the minimum due is paid |
Eligibility
Issuer
IDFC FIRST Bank
Launched
18 Aug 2025
FD route
Available with a ₹50,000 FD — no credit history needed
Who this card is for
- Good fit: IndiGo flyers who also travel abroad and spend ₹5 lakh+ a year on cards (not UPI).
- Skip if: you want lounge access or pay mostly by UPI.
Alternatives worth comparing
- IndiGo Axis vs IndiGo IDFC FIRST
- IndiGo IDFC FIRST vs IndiGo Kotak XL
- IndiGo Axis Bank
- Best zero-forex cards
Final verdict
The best IndiGo card for high everyday spenders and international travellers: strong base earn, big milestones and zero forex. The lack of lounges and the on-time-payment rule are the trade-offs.
Frequently asked questions
Is there a forex markup on the IndiGo IDFC FIRST card?
No. IDFC FIRST lists 0% forex on its credit cards; the card was earlier 1.49%.
How many BluChips does it earn?
6 per ₹100 on IndiGo bookings and 3 on most other spends, with 0.5 on UPI and essentials. IndiGo’s own BluChips come on top for direct bookings.
Does it give lounge access?
No.
What is the FD option?
With a fixed deposit of at least ₹50,000, the first year is free (without the joining voucher); ₹4,999 + GST applies from year two.
Why might I lose BluChips?
From July 2026, BluChips are credited only if at least the minimum due is paid by the due date.
Last verified: October 2026, against IDFC FIRST Bank’s IndiGo card page, May 2026 cardholder notice and Sep 2026 update. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.