Login to Internet banking
A brand-new experience - smarter, faster, and secured
Introducing the First-in-industry IDFC FIRST Bank's Super Account
Request a Callback
You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
Know More
Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
Know More
Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
Know More
A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
Most Searched
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account Now
Download our app
Get instant help for all your queries in one place
Explore Personal
- Accounts
Tools & Calculators
Privilege Program
- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
FinFIRST Blogs
Credit Card
Still paying full fare on your indiGo flights? Unlock travel benefits easily
Key Takeaways
The IndiGo IDFC FIRST Dual Credit Card lets you earn IndiGo BluChips on everyday expenses, which can be redeemed for IndiGo flight bookings.
- Frequent flyers enjoy milestone-based travel savings, with up to 25,000 extra IndiGo BluChips rewards available every year.
- With secured and unsecured variants and dual-network access, the card offers flexible travel benefits tailored to your credit profile.
You fly with IndiGo often - business trips, family visits, weekend getaways - but you’re still paying full fare every time. If your current credit card isn’t giving you any travel benefits, something’s not adding up.
The IndiGo IDFC FIRST Dual Credit Card is designed to change that. It turns everyday spending into real travel benefits like flight savings, insurance, and easy redemptions, built specifically for IndiGo flyers who want more value from every trip.
READ MORE
The problem with regular credit cards
Most credit cards talk about rewards, but when it comes to actual travel benefits, they often fall short - especially for frequent flyers who stick to one airline like IndiGo.
Here’s why many travellers end up spending more than they save:
- Rewards are generic and often unrelated to travel
- Redemption processes are complicated or limited
- Points expire before you can use them
- You rarely get real travel savings from the spending you put in
- Airline-specific perks are usually missing altogether
That’s why choosing a card that’s built around IndiGo flights makes all the difference for frequent travellers.
How the IndiGo IDFC FIRST Dual Credit Card works
This card shifts the focus from generic rewards to value you can actually use. Every swipe - on IndiGo flights, groceries, fuel, even UPI - brings you closer to your next trip.
You earn IndiGo BluChips, the airline’s own reward currency that can be redeemed directly for flight bookings. Here's how your spends translate:
IndiGo BluChips per ₹100 |
|
IndiGo flights (6E app/website) |
Up to 22 (6 on card + up to 16 based on IndiGo membership tier) |
All other spends |
3 |
UPI spends |
0.5 |
Rent, fuel, utilities, wallets |
0.5 |
EMI and cash transactions |
Not eligible |
Milestone magic - Boost your rewards
Regular spending is just the start. This card also rewards consistency by unlocking bonuses as you hit key annual spend milestones.
Annual spend |
Bonus IndiGo BluChips |
₹2 lakh |
5,000 |
₹5 lakh |
5,000 |
₹8 lakh |
5,000 |
₹10 lakh |
5,000 |
₹12 lakh |
5,000 |
Note: IndiGo BluChips earned from milestone achievements are valid for 6 months.
That’s 25,000 IndiGo BluChips, over and above your regular rewards, making sure your travel benefits keep growing with your spending.
Flexible redemptions that fit your plans
Earning rewards is great, but being able to use them easily is what truly matters. With the IndiGo IDFC FIRST Dual Credit Card, redemption is as flexible as your travel schedule.
- Book any IndiGo 6E flight - domestic or international
- Choose economy or stretch (extra legroom) seats
- Redeem for yourself or any nominated traveller
- No blackout dates or confusing conversion rates
- Apply IndiGo BluChips instantly while booking on the IndiGo website or app
These redemptions make your travel benefits feel real, not just theoretical.
Protection and perks that travel with you
Frequent travel comes with risks, but this card adds protection to every journey, with its trip cancellation protection of up to ₹25,000 (two claims/year).
Moreover, you get bonus perks automatically like:
- Dual-network advantage with Mastercard for global privileges and RuPay for UPI-linked payments
- Low forex markup of just 1.49% for spending affordably abroad
- Exclusive one-time perks include a three-month EazyDiner Prime membership and a Postcard Hotels stay voucher worth ₹3,000
It’s not just about earning. This card protects you wherever your itinerary takes you.
One card, two ways - Choose what works for you
Not every traveller has the same credit profile, and this card respects that. Whether you’re building your credit or are already established, there’s a version for you.
- Choose between an unsecured or an FD-backed (secured) variant
- The secured version has a ₹0 joining fee and requires a refundable ₹1 lakh fixed deposit
- Both options offer identical travel benefits and rewards
- The secured version is ideal for first-time cardholders or those seeking flexibility
- Get RuPay for UPI convenience and Mastercard World for global reach
This flexibility ensures that good travel rewards aren’t reserved for just a select few.
Start strong, stay rewarded
When it comes to upfront value, the IndiGo IDFC FIRST Dual Credit Card delivers consistent travel benefits, whether you choose the secured or unsecured option.
Benefit type |
Unsecured variant |
Secured variant |
Welcome benefits |
1. 5,000 IndiGo BluChips 2. One meal voucher (on fee realisation) 3. Three-month EasyDiner membership 4. Postcard Hotels voucher worth ₹3,000[AS3] [SM4] |
1. Three-month EasyDiner membership
2. Postcard Hotels voucher worth ₹3,000 |
Renewal benefits |
1. 5,000 IndiGo BluChips 2. One meal voucher (on fee realisation) |
1. 5,000 IndiGo BluChips 2. One meal voucher (on fee realisation) |
Activation offer |
3,000 IndiGo BluChips on ₹1 lakh spend within 90 days |
3,000 IndiGo BluChips on ₹1 lakh spend within 90 days |
These early rewards give you a head start, whether you’re building credit or already flying frequently.
Why come to IDFC FIRST Bank for travel benefits?
The IndiGo IDFC FIRST Dual Credit Card gives you more than just points; it delivers real, flight-ready travel benefits tailored for frequent flyers. From daily spends to milestone rewards, every swipe brings you closer to your next trip.
Here’s how the credit card stands out for IndiGo flyers:
- Rewards that never expire on spend-based IndiGo BluChips
- Redemption flexibility across all IndiGo 6E flights
- Low 1.49% forex markup, making every international trip lighter on your wallet
- 5,000 IndiGo BluChips and a meal voucher every year on successful card renewal
- The power of dual networks (Mastercard andRuPay) allows you to use your card globally while paying locally with UPI
- Comprehensive travel insurance of USD 1200, Air Accident Cover of ₹1 crore, Personal Accident Cover of ₹10 lakh, and Lost Card Liability cover worth ₹50,000
- Trip cancellation protection of up to ₹25,000 on two claims a year
Apply for the IndiGo IDFC FIRST Dual Credit Card today and start enjoying smarter, more rewarding travel benefits from your very first swipe.
Frequently Asked Questions
What are the joining and annual fees for the IndiGo IDFC FIRST Dual Credit Card?
The unsecured variant has a ₹4,999 joining fee and a ₹4,999 annual fee. The secured variant requires no joining fee but carries the same ₹4,999 annual fee.
What is the difference between the unsecured and secured variants of the IndiGo IDFC FIRST Dual Credit Card?
The unsecured card doesn’t require a fixed deposit and includes welcome benefits. The secured version requires a ₹1 lakh fixed deposit and offers the same travel benefits minus the joining rewards.
Can I redeem travel benefits for others?
You can use your IndiGo BluChips on any IndiGo 6E flight booking made with your card - whether it’s for you or someone else - making your travel benefits perfect for family trips or shared travel plans.
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.
Summarize with AI
