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Credit Card

Looking for the IndiGo Credit Card? Here are common questions answered

Key Takeaways

Every time you swipe the IndiGo IDFC FIRST credit card, you earn BluChips. Enough of them and your next flight practically pays for itself.
The card runs on two networks, so you get Mastercard for global spends and RuPay for UPI, all from a single card.
Do not want to pay a joining fee? Back it with an FD and get it lifetime free.
Travelling abroad? A 1.49% forex markup means you are not losing money on every international transaction.
You can redeem your BluChips anytime you want, with no restrictions on when or which flights you can book.

24 Jun 2026 by Team FinFIRST

IndiGo credit card common question answered

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If you are a frequent flyer, you already know the value the right travel-friendly credit card brings. It simplifies your trip bookings and rewards you as you spend. You can then use those redemption points to avail discounts on subsequent bookings. As the cycle continues, you end up significantly saving on your travel spends.

The IndiGo Credit Card from IDFC FIRST Bank is designed around this idea, rewarding cardholders with IndiGo BluChips that can be redeemed for flight bookings. Here's everything you need to know about how the card works, its benefits, fees, and reward redemption process.

Your guide to choosing the right credit card with no annual fee

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IndiGo credit card: An overview

The IndiGo Credit Card is a co-branded card between banks and IndiGo Airlines. The IDFC FIRST Bank IndiGo Credit Card offers BluChips on your everyday spending.
BluChips are like credit card points you can redeem.

BlueChips can be redeemed for flight bookings via IndiGo’s official website or mobile app.

What’s more, this IndiGo credit card by IDFC FIRST Bank has power of two networks that gives you a Mastercard and a RuPay card on a single application. As a result, you can benefit from distinct privileges that both payment networks offer. Despite the wide range of perks, the IndiGo credit card by IDFC FIRST Bank is easy to avail with instant approval.

Key features and benefits of the IndiGo Credit Card

IDFC FIRST Bank has designed the IndiGo Credit Card to make flying more rewarding without the complexity of lengthy processes. It focuses on practical benefits that naturally tie into the occasional use. Here are some of the standout beneficial features:

Joining fee flexibility

You can either pay the joining fee of ₹4999+GST or get the credit card lifetime free by backing it with an FD.

Low forex charge

You save on the forex charges that would otherwise add up quickly with a low markup of ₹1.49%.

Convenience of UPI payments

As the IndiGo IDFC FIRST credit card has two networks, the RuPay side lets you pay via UPI across 60 million+ merchants.

Global acceptance

You can freely spend domestically and internationally under both networks:  Mastercard and RuPay, as they are accepted worldwide.

IndiGo BluChips on every spend

The number of IndiGo BluChips you earn may vary, but it is applicable to every spend. So, you need not consciously track.

Insurance covers

A range of insurance covers like the air accident cover of ₹1 crore, travel insurance of $1,200, personal accident cover of ₹10 lakh, and lost card liability cover of ₹50,000, are available.

Fees & charges applicable to the IndiGo credit card

Having looked at the benefits and travel redemption points, you may be tempted to quickly apply. But first, it helps to take stock of the fees and charges applicable to the IndiGo credit card for informed usage.

Here are some of the very few charges you can expect:

Joining and annual fees:

You incur a joining and annual fee of ₹4,999 plus GST if you opt for the unsecured version of the IndiGo credit card

Add-on card joining and annual fee:

You pay a fee of ₹499 as the joining and annual fee on the supplementary card added to your primary card application

Forex markup:

You enjoy a low forex fee markup of 1.49% on international spends to make travel spends more rewarding.

Replacement fee:

In case of a loss or damage to your card, you can apply for replacement at a flat fee of ₹199.

Rewards and redemption process

The process to earn and redeem credit card points like IndiGo BluChips is straightforward and simple. They automatically get credited to your IndiGo BluChip account as you complete transactions through the IndiGo IDFC FIRST credit card. Here’s how the earning and redemption process works:

Earning BlueChips

You earn a varied number of IndiGo BluChips on different types of transactions. They include:

Joining fee payment earns you 5,000 IndiGo BluChips with a complimentary IndiGo meal voucher (6 months validity). Spending ₹1 lakh within 90 days of card issuance gets you an extra voucher of 3,000 IndiGo BluChips.

Annual flight bookings get you 6 IndiGo BluChips on the card and up to 16 IndiGo BluChips for every ₹100 spent from the IndiGo loyalty program.

Per ₹100 spent on UPI gets you 0.5 IndiGo BluChips.

Per ₹100 spent on expenses like insurance, fuel, utilities, rent, and wallet loads gets you 0.5 IndiGo BluChips.

Per ₹100 spent on other categories earns you 3 IndiGo BluChips.

You also earn milestone benefits, which increase with a voucher of 5,000 IndiGo BluChips. This added benefit allows you to earn up to 25,000 IndiGo BluChips every year. Note that voucher BluChips come with 6 months validity.

Redeeming IndiGo BluChips

You can redeem credit card points on the IndiGo IDFC FIRST credit card through the IndiGo website or mobile app.

The redemption is applicable to domestic and international flights.

There are no blackout dates, which means you can redeem the points anytime without restrictions.

You can either choose to combine all your IndiGo BluChips for pocket-heavy flight bookings or use a mix of your IndiGo credit card and IndiGo BluChips to save on each flight ticket.

You can book for economy or stretch. The redemption points apply to both self and nominee ticket bookings.

Troubleshooting common issues

If you encounter any issue with reward points getting credited due to a payment glitch or other issues while using the card, reach out to IDFC FIRST Bank’s 24/7 customer support.

You can conveniently raise the issue through the contact page on the website or app. Alternatively, you may contact us through WhatsApp on 9555 555 555 or call on 1800 10 888. There’s also the option of writing to banker@idfcfirstbank.com

If the problem persists on the flight booking and redemption side, you can reach out to IndiGo’s customer care by calling 0124 – 4973838 or 0124 – 6173838. You may also write to customer.experience@goIndiGo.in.

Final words

As is evident, the IndiGo IDFC FIRST credit card comes with a wide range of features, thanks to the dual card with Mastercard and RuPay networks. The key highlight of this IndiGo credit card is the IndiGo BluChips. These reward points make your future flight bookings affordable and let you direct your savings to other trip expenses. The fees and charges are also fairly minimal. When used wisely, this credit card is practical, flexible, and easy to manage.

Frequently Asked Questions

How do I check my reward points on the IndiGo IDFC FIRST Bank credit card?

You can track the reward points you’ve earned so far on the IndiGo credit card on the IDFC FIRST Bank banking app under the ‘Rewards’ section after selecting your card. You can also log in to your IndiGo BluChips account to view your redemption points.

Can the reward points be spent on non-flight spends?

No, BluChips earned on the IndiGo credit card are only redeemable through flight bookings via IndiGo’s website or mobile app.

Does the IndiGo IDFC FIRST Bank credit card include lounge access?

No, lounge access is not included as a benefit with this credit card. The card’s primary focus is on rewarding you with travel savings.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.