IndiGo IDFC FIRST Dual Credit Card Review – Benefits, Rewards & How to Apply

IndiGo IDFC FIRST Dual Credit Card Review

IndiGo IDFC FIRST Dual Credit Card

Are you a frequent flyer with IndiGo, India’s largest airline? Or perhaps you’re someone who loves the flexibility of seamless payments both in India and abroad? The IndiGo IDFC FIRST Dual Credit Card is here to elevate your travel and spending experience. With its unique dual-card offering (Mastercard and RuPay), accelerated rewards, and low forex markup, this card is designed for everyone—whether you’re a seasoned traveler or new to credit cards. Let’s dive into why this card is your perfect travel companion.

Why Choose the IndiGo IDFC FIRST Dual Credit Card?

This isn’t just another credit card—it’s a dual credit card that combines the global reach of Mastercard with the UPI convenience of RuPay, all in one application. Here’s what makes it stand out:

1. Dual Cards, One Rewards Pool

• Mastercard Benefits: Enjoy global acceptance for online and POS transactions, plus exclusive perks like 4 complimentary golf rounds and 12 golf lessons annually.
• RuPay Benefits: Seamlessly scan and pay at over 60 million merchants in India via UPI, with exclusive RuPay network discounts.
• Both cards share a single credit limit, statement, and rewards pool, ensuring simplicity and flexibility.

2. Earn Up to 22 BluChips on IndiGo Flight Bookings

Earn IndiGo BluChips, the currency of IndiGo’s loyalty program, with every spend:

• Up to 22 BluChips/₹100 on IndiGo flight bookings via the website or app (6 from the card, up to 16 based on IndiGo BluChip tier).
• 3 BluChips/₹100 on other eligible spends.
• 0.5 BluChips/₹100 on UPI, insurance, utilities, fuel, rent, and wallet transactions.
• Redeem BluChips for domestic or international IndiGo flights with no blackout dates and flexible part-payment options.

3. Unlock Milestone Rewards

Reach annual spending milestones and earn up to 25,000 BluChips in vouchers:

• ₹2 lakh: 5,000 BluChips
• ₹5 lakh: 5,000 BluChips
• ₹8 lakh: 5,000 BluChips
• ₹10 lakh: 5,000 BluChips
• ₹12 lakh: 5,000 BluChips

These vouchers are credited within 5 days of statement generation and are valid for 6 months.

4. Low Forex Markup for Global Travelers

With a 1.49% forex markup fee, this card is a great choice for international transactions, saving you money on overseas spends compared to the standard 3.5% charged by most cards.

5. Travel Protection

Enjoy peace of mind with:

• Trip cancellation cover: Up to ₹25,000 (twice annually) for non-refundable flights and hotels.
• Other insurance benefits, including ₹1 crore air accident cover, ₹50,000 card liability cover, and more.

6. Accessible to Everyone

No credit history? No problem! Opt for the FD-backed variant with a ₹1 lakh fixed deposit and get the card with ₹0 joining fee. The FD is lien-backed and can be withdrawn upon card closure, subject to standard terms.

Welcome and Renewal Benefits

• Joining Benefits (Paid Variant):
  • 5,000 IndiGo BluChips voucher
  • Complimentary IndiGo meal voucher
  • 3-month EazyDiner Prime membership (₹1,095 value)
  • Postcard Hotels stay voucher worth ₹3,000
• Early Activation Benefit: Spend ₹1 lakh within 90 days to earn a 3,000 BluChips voucher (both variants).
• Annual Benefits: Pay the ₹4,999 + GST annual fee (from year 2) to receive a 5,000 BluChips voucher and a complimentary IndiGo meal voucher.

Note: Welcome benefits are exclusive to the paid variant (₹4,999 + GST joining fee).

Fees and Charges

• Joining Fee: ₹4,999 + GST or ₹0 with a ₹1 lakh FD.
• Annual Fee: ₹4,999 + GST (from year 2).
• Interest Rate: 8.5%–46.2% per annum, among the lowest in the industry.
• Cash Advance Fee: ₹199 + GST per transaction, with up to 45 days interest-free.

How to Apply

Applying for the IndiGo IDFC FIRST Dual Credit Card is a breeze with a 100% digital process and instant approval:

1. Choose your variant: ₹4,999 joining fee or ₹0 with ₹1 lakh FD.
2. Enter personal details and complete eligibility checks.
3. Link or create your IndiGo BluChip membership for seamless rewards.
4. Complete video KYC (if required).
5. Pay the joining fee or fund the FD to activate your digital cards.
6. Receive your Mastercard and RuPay physical cards within 5 working days.

Pro Tip: Register for the IndiGo BluChip Loyalty Program with your Aadhaar-linked mobile number before applying to instantly link your rewards.

Who Is This Card For?

• Frequent IndiGo Flyers: Maximize rewards with up to 22 BluChips/₹100 on flight bookings.
• International Travelers: Benefit from the low 1.49% forex markup.
• UPI Users: Enjoy seamless payments with the RuPay variant.
• New Credit Card Users: The FD-backed option makes it accessible without a credit history.

How to Maximize Your Card

• Book IndiGo flights via the website or app to earn the highest rewards.
• Reach annual spending milestones to unlock up to 25,000 BluChips.
• Use the RuPay card for UPI transactions and the Mastercard for international spends.
• Redeem BluChips early to maximize their value (ranges from ₹0.40–₹0.50 per BluChip).

Final Thoughts

The IndiGo IDFC FIRST Dual Credit Card is a game-changer for travelers and everyday spenders alike. Its dual-card proposition, generous rewards, and low forex markup make it a versatile choice. Whether you’re jetting off on IndiGo flights or scanning a UPI QR code at your local store, this card ensures you earn rewards with every swipe. Ready to fly high? Apply now and start your journey with IndiGo and IDFC FIRST Bank!

Join the IndiGo BluChip Loyalty Program today to unlock even more rewards. Visit goindigo.in to enroll.

Have questions? Check out our FAQ section or contact our Help Center at 1800 10 888.