IndiGo IDFC FIRST Credit Card Review (2026)
Launched in August 2025, this co-branded travel card pairs a Mastercard and a RuPay in one application, earns IndiGo BluChips and carries a notably low 1.49% forex markup.
The dual-network format
A single application issues two physical cards — one on Mastercard and one on RuPay — that share the same credit limit, statement and rewards pool. The RuPay card unlocks UPI-linked payments, while Mastercard covers international and merchant acceptance.
Fees and charges at a glance
| Charge | Amount |
|---|---|
| Joining fee (unsecured) | ₹4,999 + GST |
| Secured variant | Against a fixed deposit of ≥ ₹1 lakh; joining fee waived in year one, payable from year two |
| Forex markup | 1.49% (vs ~3.5% on typical cards) |
Rewards in BluChips
The card earns 6 BluChips per ₹100 on IndiGo flight bookings made through the official IndiGo website and app. Combined with IndiGo’s own BluChip loyalty earnings, the total can reach up to 22 BluChips per ₹100 on IndiGo spends. Non-IndiGo categories earn at a lower rate — check the current terms for exact rates by category. BluChips redeem toward IndiGo flight bookings.
Welcome, activation and milestones
| Trigger | Benefit |
|---|---|
| On joining | 5,000 BluChips voucher + 1 complimentary 6E Eats meal voucher |
| Spend ₹1,00,000 in 90 days | 3,000 BluChips voucher (activation bonus) |
| Spend milestones at ₹2L, ₹5L, ₹8L, ₹10L, ₹12L | 5,000 BluChips voucher at each level |
Hitting all five milestones returns 25,000 BluChips across the year, on top of the welcome and activation vouchers.
Where this card falls short
Eligibility and documents
Indian resident with a stable income and a good credit profile for the unsecured variant; the secured variant is available against a fixed deposit, making it accessible to those building credit. Documents: PAN, ID/address proof, income proof (or FD for the secured card).
How it compares
Against the 6E Rewards IndiGo HDFC Bank cards, the IDFC FIRST version differentiates on its dual Mastercard+RuPay format and 1.49% forex. For airline-agnostic flexibility, an SBI Miles or Axis Atlas card may suit better; for IndiGo loyalists, this is among the strongest options.
Bottom line 4 / 5
A strong 2025–26 airline co-brand for frequent IndiGo flyers: high BluChip earn on IndiGo spends, rich milestone vouchers, dual-network convenience and standout 1.49% forex. Less compelling if you do not fly IndiGo or want airline-agnostic rewards.
Frequently asked questions
Why does it come as two cards?
One Mastercard and one RuPay share a single limit, statement and rewards pool; the RuPay card enables UPI payments while Mastercard handles international and wider acceptance.
Is there a no-fee way to get this card?
The secured variant, backed by a fixed deposit of ₹1 lakh or more, waives the joining fee in the first year (payable from year two).
What is the forex markup?
1.49%, well below the ~3.5% charged by most credit cards.