IDFC BANK
IndiGo IDFC FIRST Dual Credit Card is a co-branded travel card issued in two variants — an unsecured card (₹4,999 joining/annual fee) and a secured.
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Dining
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
6% on Travel — 6 IndiGo BluChips per Rs. 100 on IndiGo flight bookings made through the IndiGo website or app. IndiGo's own membership, channel and tier bonuses can take the stack to 22., with no stated cap.
Biggest limitation
BluChips redeem only against IndiGo bookings, and IndiGo publishes no fixed rupee value — about Rs. 0.40 to Rs. 0.60 a chip.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
6 pts
uncappedTravel
6 IndiGo BluChips per Rs. 100 on IndiGo flight bookings made through the IndiGo website or app. IndiGo's own membership, channel and tier bonuses can take the stack to 22.
3 pts
uncappedDining
3 IndiGo BluChips per Rs. 100 on dining.
3 pts
uncappedEntertainment
3 IndiGo BluChips per Rs. 100 on entertainment.
1 pts
uncappedEverything else
1 IndiGo BluChip per Rs. 100 on all other spends.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹4,999 | — |
| Annual / renewal fee | ₹4,999 | Unsecured: Rs. 4,999 + GST joining and Rs. 4,999 + GST from year 2. The FD-backed variant carries no joining fee and Rs. 1,499 + GST a year against a minimum Rs. 1 lakh fixed deposit. |
| Add-on card | As per IDFC FIRST Bank's standard add-on card policy for this card; confirm current fee/waiver on idfcfirst.bank.in | — |
| Cash withdrawal | As per IDFC FIRST Bank's standard cash advance charges (percentage of amount withdrawn subject to a minimum fee), plus finance charges from the withdrawal date; confirm the exact current rate on IDFC FIRST Bank's MITC page | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,300 |
| Foreign currency markup | 1.49% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹4,999 a year
charged with no published way to avoid it
Not available — this card does not offer complimentary domestic airport lounge access
Not prominently published for this card as of the latest available information; confirm current fuel surcharge waiver terms on idfcfirst.bank.in
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹2,00,000 a year — about ₹16,667 a month
5,000 bonus IndiGo BluChips voucher at each spend milestone (On reaching annual spends of ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh and ₹12 lakh respectively (up to 25,000 bonus BluChips per year))
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIDFC FIRST EA₹N Credit Card₹499
IDFC BANKIDFC FIRST WOW! Black Credit Card₹750
IDFC BANKIndiGo IDFC FIRST Dual Credit Card (FD-Backed)₹4,999
IDFC BANKIDFC FIRST Hello Cashback Credit Card₹1,000
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankIndiGo Axis Bank Credit Card BKLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndiGo IDFC FIRST Dual Credit Card · this card | ₹4,999 | 6% travel | No |
| IDFC FIRST EA₹N Credit Card | ₹499 | Up to 1% cashback | No |
| IDFC FIRST WOW! Black Credit Card | ₹750 | Up to 16.7% rewards | Included |
| IndiGo IDFC FIRST Dual Credit Card (FD-Backed) | ₹4,999 | See card | No |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹4,999 plus GST, with no published spend-based waiver.
The strongest published rate is 6% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads EMI transactions Cash advances and ATM withdrawals The accelerated up-to-22 BluChips/₹100 rate applies only to IndiGo flight bookings made via the official IndiGo website/app; UPI (via the RuPay card), fuel, insurance, rent, utility and wallet spends earn a much lower 0.5 BluChips/₹100; tier bonus BluChips vary by the cardholder's IndiGo BluChip membership tier (Blu 1/2/3) No IndiGo BluChips are earned on cash transactions and EMI transactions
IDFC BANK publishes about ₹1,00,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
IndiGo flight bookings, 6E Eats and other IndiGo add-ons
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
No. This card carries no complimentary airport lounge access.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndiGo IDFC FIRST Dual Credit Card — 6% on travel. ₹4,999 a year.
