Text size:
S M L
Letter spacing:

Get App

FinFIRST Blogs

Credit Card

Flights too expensive? This IndiGo co-branded credit card makes them affordable

Key Takeaways

If you’re considering the best credit card for flight tickets, the IndiGo IDFC FIRST Credit Card has a lot to offer.
You can earn up to 22 IndiGo BluChips for every ₹100 you spend, and redeem them for IndiGo 6E flights.
Enjoy low forex markup, RuPay and Mastercard benefits, trip cancellation insurance coverage, and more with the IndiGo IDFC FIRST Credit Card.
Strategic use of welcome offers, everyday spends, and milestone bonuses can significantly boost your IndiGo BluChip earnings.

26 Aug 2025 by Team FinFIRST

Apply Now

Planning a trip is exciting until you see how much flights can cost. Airfares often take up the biggest chunk of the budget, forcing you to compromise on hotels, experiences, or even the destination itself.

Enter the IndiGo IDFC FIRST Credit Card. It’s a travel card that rewards your everyday expenses with IndiGo BluChips, redeemable for flights. So instead of squeezing your vacation plans into a tight budget, you can plan smarter and fly for less, or for free. The best part? With both secured and unsecured options available, this travel card is within everyone’s reach!

Maximise your savings: Unlock exclusive credit card payment offers

Best ways of keeping credit card details

Tips to keep credit card details secure in the digital age

Why flights need a smart strategy

Flights tend to be an indispensable part of your travel budget, but the least flexible.

Airfares in India have been steadily rising, especially during holidays or weekends
Most low-fare seats get sold out quickly, leaving you with higher slabs
Hotels and activities can be optional or adjusted, but flights are fixed
Even short trips for 2–3 people can cost between ₹15,000 and ₹20,000 or more
Flight costs set the tone for your entire budget — getting them right frees up everything else

Any solution that directly brings those fares down isn’t just helpful; it’s game-changing for how you plan your holiday.

Introducing IndiGo BluChips: The smarter way to save on flights

IndiGo BluChips are reward points used to book IndiGo 6E flights. Traditionally, you only earn them by flying.

But with the IndiGo IDFC FIRST Dual Credit Card, you earn IndiGo BluChips without setting foot on a plane. You just need to use the card for your everyday expenses. You can apply for the card by paying a joining fee or by starting a minimum fixed deposit (FD) of ₹1 lakh, making it accessible to even those without a strong credit history.

Here’s how it works:

Earn IndiGo BluChips on all eligible spends, including IndiGo flights, UPI, fuel, utilities, and rent
Use them to book any IndiGo 6E flight, including Economy and Stretch seats (no blackout dates, flexible part-payment options, eligible for both domestic and international flights)
Book for yourself or family/friends

With this card, your regular spending becomes a strategy for cheap flight bookings.

Turn your daily spends into a flight fund

Every time you swipe the card, you're earning your next trip. Here's the IndiGo BluChip earn rate:

Spend Category	IndiGo BluChips per ₹100
IndiGo flight bookings (6E site/app)	Up to 22 IndiGo BluChips (6 from the card + up to 16 from IndiGo based on your membership tier)
All other spends (incl. UPI)	3 IndiGo BluChips
Utilities, fuel, rent, wallets, etc.	0.5 IndiGo BluChips
EMI or cash transactions	Not eligible

Your groceries, fuel, OTT subscriptions, and even rent payments now bring you closer to a free flight.

Welcome and renewal benefits

The unsecured card variant comes with generous welcome benefits on paying the joining fee:

5,000 IndiGo BluChips voucher
One complimentary meal voucher
3000 IndiGo BluChips voucher on ₹1 lakh spends in the first 90 days
Exclusive merchant offers

Even better? On every renewal, both unsecured and secured FD-backed variants offer:

5,000 IndiGo BluChips voucher
One complimentary meal voucher

Annual milestone bonuses

Earn vouchers worth up to 25,000 IndiGo BluChips annually by hitting the following spend milestones:

Annual spend (₹)	Bonus IndiGo BluChips voucher
₹2 lakh	5,000
₹5 lakh	5,000
₹8 lakh	5,000
₹10 lakh	5,000
₹12 lakh	5,000

Note: IndiGo BluChips earned on milestone and welcome/renewal benefits are only valid for 6 months.

Used smartly, this card brings you closer to your next flight, without denting your travel budget.

How to plan a vacation that pays for your next flight

Here’s how smart usage of this card turns your regular expenses into flight savings:

1. Start early

Use the card for all routine expenses months before your trip—fuel, subscriptions, shopping, groceries, and UPI. This ensures your IndiGo BluChip balance quietly builds up.

2. Book hotels and tours first

Spend on hotel bookings or activities first to rack up IndiGo BluChips. Don’t rush into booking flights. You’ll save more if you earn first, then redeem.

3. Time big expenses

Plan purchases like electronics, appliances, or insurance premiums around the card’s milestone calendar to earn bonus vouchers of IndiGo BluChips.

4. Book the flight last

Once your IndiGo BluChip pool is strong, book your IndiGo flight. Redeem them at checkout with no blackout dates. Stretch seats? Covered.

5. Earn while you travel

Use the card on your trip for meals, shopping, and cabs. These spends earn IndiGo BluChips too, setting you up for your next getaway.

Your smartest travel companion: Why this card wins

Ready to make your vacation planning pay for itself? With the IndiGo IDFC FIRST Credit Card, you turn spending into flying. It’s not just smarter; it’s seamless.

Here’s why this card stands out:

Earn IndiGo BluChips with every purchase
Use points on any IndiGo 6E flight, anytime
A low 1.49% forex markup makes international trips cheaper
Get travel insurance up to USD 1,200, Air Accident Cover of ₹1 crore, and more.
Get peace of mind with insurance up to ₹25,000 on two non-refundable flight cancellations a year

Your next trip doesn’t have to drain your wallet. Start your vacation planning with the IndiGo IDFC FIRST Credit Card and get ready to take off smarter.

Frequently Asked Questions

Can IndiGo BluChips earned through the IndiGo IDFC FIRST Credit Card be used for any flight?

IndiGo BluChips earned on the card can be redeemed for any IndiGo 6E flight with no blackout dates. You can even use them to book flights for friends or family, making your vacation planning more flexible.

Do milestone IndiGo BluChips and welcome benefits expire?

Yes, milestone bonuses and welcome/renewal vouchers of IndiGo BluChips are valid only for six months. To make the most of them, align your vacation planning to redeem these during peak travel windows.

What kind of expenses help me earn more IndiGo BluChips quickly?

Everyday purchases like groceries, subscriptions, fuel, and even UPI payments earn IndiGo BluChips. Big spends like furniture, gadgets, or annual bills help hit milestone bonuses, accelerating your rewards.

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.