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How to earn IndiGo BluChips with your credit card and redeem them for flights

Key Takeaways

The IndiGo IDFC FIRST Credit Card lets you earn IndiGo BluChips on every spend, from flight bookings and regular monthly transactions to UPI payments and essential bill payments.
Earn up to 22 BluChips per ₹100 on IndiGo flight bookings made via the IndiGo website or app, with 3 BluChips per ₹100 on all other regular spends.
BluChips can be redeemed directly for IndiGo flights with no blackout dates, either fully or in combination with your card, for yourself or a registered nominee.
Milestone spends unlock incremental BluChip vouchers of 5,000 each, rewarding consistent card usage with additional savings on future flight bookings.

18 Jun 2026 by Team FinFIRST

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If you travel frequently, you already know how quickly flight costs add up, especially during peak seasons or last-minute bookings.
Your everyday card spends can do more than just pay bills. The IndiGo IDFC FIRST Credit Card lets you earn IndiGo BluChips on every transaction and redeem them for flight bookings.

Read on to know more.

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What are IndiGo BluChips?

IndiGo BluChips are the reward currency of the IndiGo BluChip programme, earned through eligible spends on the IndiGo IDFC FIRST Credit Card. Every time you use your card, you accumulate these redemption points, which can be used for IndiGo flights, including flights marketed and operated by IndiGo as well as those marketed by IndiGo but operated by a codeshare partner.

How to earn IndiGo BluChips?

You can earn IndiGo BluChips on every IndiGo credit card spend. The redemption points differ for each type of transaction. Here’s a breakdown on how many BluChips you can earn on different spends:

Welcome benefit

Welcome benefits vary depending on the card variant you choose.

Unsecured card: Earn 5,000 IndiGo BluChips on joining fee payment, plus an additional 3,000 BluChips when you spend ₹1 lakh within the first 90 days of card issuance. That is up to 8,000 BluChips to get you started.

Secured card: Earn 3,000 IndiGo BluChips when you spend ₹1 lakh within the first 90 days of card issuance.

Annual flight bookings

You can earn up to 22 IndiGo BluChips per ₹100 spent on flight bookings done via IndiGo website or app. This is segregated into 6 redemption points on the IndiGo credit card and up to 16 from IndiGo airlines based on the tier benefit.

Monthly UPI spends

You get to earn 0.5 IndiGo BluChips per ₹100 spent on monthly UPI transactions. The IndiGo credit card by IDFC FIRST Bank is a dual card which brings you the advantage of two cards: Mastercard and RuPay. With RuPay, you can scan and pay via UPI at 600+ million merchants, online and offline.

Payments for utilities and essentials

Another 0.5 IndiGo BluChips are rewarded for essential payments made during the month. Such payments include fuel, insurance, utilities, rent, and wallet loads. Making these part of your IndiGo credit card helps you seamlessly integrate your regular expenses to earn reward points.

Regular monthly spends

All the other monthly transactions like shopping, transfers to peers, etc., and regular travel spends while dining out, paying the guide, sightseeing, etc., come under this category. You can earn up to 3 IndiGo BluChips per ₹100 spent on such transactions.

Milestone-wise earnings

You get an incremental voucher of 5,000 IndiGo BluChips as you unlock each milestone in your spending journey with the IndiGo credit card. The first ₹2 lakhs spent after the initial 90-day period earn you the first 5,000 IndiGo BluChips. This adds on as you unlock milestones like ₹4 lakhs, ₹8 lakhs, ₹10 lakhs, ₹12 lakhs, and so on.

How to redeem credit card points?

You can redeem the IndiGo BluChips earned through your spends on IDFC FIRST Bank’s IndiGo credit card via flight bookings on IndiGo’s website or mobile app. You can book any 6E flight for travel in economy or stretch. There are no blackout date restrictions. You are allowed to book for yourself or your nominee.

Here’s how the process of redeeming credit card points via the IndiGo website or mobile app works:

Log in to the IndiGo BluChip account on the IndiGo website or mobile app.
Search for your preferred boarding and destination with trip dates on the home page.
Choose to either pay fully using your IndiGo BluChips, or you can combine your IndiGo IDFC FIRST Credit Card and redemption points.
Select your choice of flight and cabin to proceed.
Update information like passenger names from the saved details against your IndiGo BluChip account. Note that being an IndiGo BluChip member or nominee is crucial to redeeming reward points on flight bookings.
Redeem your IndiGo BluChips as applicable on the flight booking.
Validate the transaction via an OTP sent to your registered mobile number.
Once your booking is complete, you should receive your itinerary within minutes.

Note: While IndiGo BluChips have a lifetime validity, the IndiGo BluChip vouchers and meal vouchers you receive upon joining come with a 6-month validity. Redeem these reward points accordingly to not miss out on the benefits.

Tips to maximise IndiGo credit card points

Now that you know the exclusive redemption points you earn with your IndiGo IDFC FIRST credit card, it’s only fair to make the most of them and save more on flight bookings. Outlined below are some effective ways to earn more IndiGo BluChips:

Book IndiGo flights directly instead of third-party platforms, as this is important in earning the IndiGo BluChips.

Route everyday spends through the card to steadily build redemption points without extra effort.

Your small, daily UPI spends can add up much more quickly than you think. So, leverage the dual nature of the IndiGo credit card to rake up your redemption points easily.

Plan milestone spends by timing your larger bookings to make up points for peak-season bookings.

Use BluChips for peak-fare bookings when the prices spike, like the festive season, last-minute plans, or weekend flights.

Track voucher validity to ensure you use them before expiry and avoid losing out on the value you’ve earned through the welcome benefit.

Final words

Don’t let the rising travel costs bog you down. IDFC FIRST Bank provides you with a way around the hefty flight costs through the convenient and rewarding IndiGo credit card. Collect IndiGo BluChips on every small and big spend and redeem these credit card points when you need them the most. Once you breeze through the flight bookings, other trip expenses become easier to manage.

Frequently Asked Questions

What are the minimum reward points I need for redemption?

There is no minimum threshold. You earn on every spend and can redeem credit card points on the IndiGo IDFC FIRST credit card freely as long as you have sufficient points to cover part of entire cost of the flight booking.

How many points can I earn per ₹100 spent?

You earn different points on varied transactions for every ₹100 spent. This includes up to 22 IndiGo BluChips on flight bookings, 3 BluChips on regular spends, 0.5 BluChips on essential expenses, and 0.5 BluChips on UPI transactions.

Can I redeem IndiGo BluChips for someone else’s flight ticket?

Yes, you can redeem these credit card points to book a flight for yourself, or a nominee added to your IndiGo BluChip account.

Do add-ons like seats and baggage qualify for redemption?

Yes, based on the milestones you reach with IndiGo flight bookings, you are assigned specific tier benefits. Based on the specific tier, you can earn varying discounts on add-ons like seats, excess baggage, and fast forward.

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.