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IDFC BANK
The IndiGo IDFC FIRST Dual Credit Card (Secured) is an FD-backed, co-branded travel credit card issued against a fixed deposit, giving new-to-credit or thin-file applicants assured approval.
One-time
Per year
Uncapped rewards
Standard approval
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
1 reward rate 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
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1.49% on Travel — Low 1.49% Forex Markup — Save on international spends with one of the lower forex markups among co-branded travel cards, with no stated cap.
Biggest limitation
This variant is secured against a fixed deposit of Rs. 50,000 or more. The deposit is locked for as long as the card is held.
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.
1.49%
uncappedTravel
Low 1.49% Forex Markup — Save on international spends with one of the lower forex markups among co-branded travel cards
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹4,999 | No joining fee against a fixed deposit of Rs. 50,000 or more. Rs. 4,999 + GST from the second year onwards. |
| Add-on card | As per IDFC FIRST Bank's standard add-on card policy (verify current fee at card issuance) | — |
| Cash withdrawal | 2.5% | Cash advance fee applies as a percentage of amount withdrawn (typically ~2.5%, subject to a minimum charge) as per IDFC FIRST Bank's MITC |
| Late payment | Tiered late payment fee slabs based on outstanding amount, plus applicable GST, as per IDFC FIRST Bank's MITC | — |
| Foreign currency markup | 1.49% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹15,000
of one-time welcome value, on top of what you earn
Every year after
₹4,999 a year
charged with no published way to avoid it
Not offered on this card
Not a primary highlighted feature of this card; not confirmed to be offered — verify current terms with IDFC FIRST Bank
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
₹15,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
1
spend threshold you can reach again each year
Additional 5,000 IndiGo BluChips voucher on spends of ₹15,000 within the first 30 days (current limited-period offer — verify validity)
Spend ₹2,00,000 a year — about ₹16,667 a month
5,000 IndiGo BluChips voucher at each milestone (On crossing cumulative annual spends of ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh and ₹12 lakh (up to 25,000 BluChips/year across all five milestones))
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 BANKIndiGo IDFC FIRST Dual Credit Card₹4,999
IDFC BANKIDFC FIRST WOW! Black Credit Card₹750
IDFC BANKIDFC FIRST Hello Cashback Credit Card₹1,000
HDFC BankPhonePe HDFC Bank Uno Credit Card₹499
DBS BankDBS Vantage Credit Card₹20,000| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndiGo IDFC FIRST Dual Credit Card (FD-Backed) · this card | ₹4,999 | 1.49% travel | No |
| IDFC FIRST EA₹N Credit Card | ₹499 | Up to 1% cashback | No |
| IndiGo IDFC FIRST Dual Credit Card | ₹4,999 | Up to 6 reward points per ₹100 | No |
| IDFC FIRST WOW! Black Credit Card | ₹750 | Up to 16.7% rewards | Included |
| 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 1.49% 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 Joining-fee-payment BluChip benefits are not applicable to the FD-backed (secured) variant since no joining fee is paid No IndiGo BluChips on cash transactions, EMI conversions, and other excluded categories as defined in the BluChip program terms
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 (FD-Backed) — 1.49% on travel. ₹4,999 a year.