View source for IDFC First Bank Indigo Dual Credit Card

{{Infobox:credit-card-image
| Card Image = [[File:Idfc-indigo.png]]
| Card Name = IDFC First IndiGo Dual Credit Card
| Apply For This Card = https://www.idfcfirstbank.com/credit-card/indigo-credit-card
| Bank Name = IDFC First bank
| Category = Co-branded Airline Card
| First Launched = 29th July, 2025
| Card's Networks = Mastercard, RuPay
| Reward Rate = 6% IndiGo BlueChips
| Airmiles = No (IndiGo BlueChips Only)
}}

On July 29, 2025, IDFC FIRST Bank launched its first co-branded credit card with IndiGo Airlines — the '''IndiGo Dual Credit Card'''. The name "Dual" comes from a unique feature: you receive '''two cards under one credit card account''' — one on the '''RuPay''' network and the other on '''Mastercard'''. The Mastercard version ensures global acceptance, while the RuPay card is especially useful for '''UPI-based transactions'''.

This card is primarily targeted at '''frequent domestic flyers''', offering enhanced travel benefits and rewards. IndiGo, being India’s largest airline by passenger volume, already had co-branded cards with HDFC Bank and Kotak Mahindra Bank. However, those were tied to IndiGo’s previous '''6E Rewards''' loyalty program.

With IndiGo now shifting to its '''new loyalty program, ‘IndiGo Bluechip’''', the airline is revamping its credit card lineup — reintroducing the 6E Rewards series and launching fresh collaborations like this one with IDFC FIRST Bank.

== Charges ==

* Joining Fee: ₹4,999 + GST ''(Waived if applied against a Fixed Deposit of ₹1,00,000 or more)''
* Annual Fee: ₹4,999 + GST

== Welcome Benefits ==
These benefits are provided after payment of the joining fee and successful card activation:

* IndiGo BluChips voucher worth 5,000 points
* Complimentary IndiGo meal voucher
* 3-month EazyDiner Prime membership
* Stay voucher worth ₹3,000 from The Postcard Hotels

== Renewal Benefits ==
These benefits are provided after payment of the renewal fee:

* IndiGo BluChips voucher worth 5,000 points
* Complimentary IndiGo meal voucher

== Main Benefits ==

==== Dual Card Structure ====

* You’ll receive '''two cards''': one on the '''RuPay''' network and another on '''Mastercard'''
* Both cards need to be '''set up and activated separately'''
* Shared credit limit across both cards

==== Golf Privileges ====

* 4 complimentary golf rounds per year
* 12 complimentary golf lessons per year

==== Fuel Surcharge Waiver ====

* 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000

==== Discounted Foreign Exchange Markup ====

* Markup fee of just '''1.49%''' on all international transactions

== Insurance Benefits ==

* '''Trip Cancellation Cover:''' Reimbursement for non-refundable hotel and flight bookings in case of trip cancellations (up to ₹25,000/year; max 2 claims). ''Bookings must be made using this credit card.'' Coverage will be available on cancellations done at least 24 hours prior to the travel / stay date. Claim intimation should be within 30 days from date of cancellation To file a claim, visit the portal <nowiki>https://howden.gosure.ai/web/corporate-claims</nowiki>
* '''Personal Air Accident Insurance:''' Coverage of ₹1,00,00,000
* '''Personal Accident Insurance:''' Coverage of ₹10,00,000
* '''Lost Card Liability:''' Coverage up to ₹50,000
* '''Travel Insurance:''' Coverage worth USD $1,200

== Reward Program ==

=== A. Earning Reward Points ===
{| class="wikitable"
!Transaction Type
!Reward Rate
|-
|Flight Booking on Indigo Website/App
|6 IndiGo BluChips per ₹100 spent
|-
|Other Transactions (Online/Offline)
|3 IndiGo BluChips per ₹100 spent
|-
|RuPay UPI on Credit Card
|0.5 IndiGo BluChips per ₹100 spent
|-
|Insurance, Rent, Utility, Rent, Wallet
|0.5 IndiGo BluChips per ₹100 spent
|}

==== Important Terms: ====
Additionally, earn additional up to 16 IndiGo BluChips as per the tier benefits of IndiGo Loyalty Program Membership

* 8 IndiGo BluChips/ ₹100 spent as an IndiGo BluChip member
* 4 IndiGo BluChips/ ₹100 spent as Channel Bonus
* Upto 4 IndiGo BluChips/ ₹100 spent as Tier bonus (4 for Blu 1, 2 for Blu 2)

Note: No BluChips will be awarded on cash transactions or transactions converted into EMIs.

=== B. Redeeming Reward Points ===
'''IndiGo BluChips''' can be redeemed for booking IndiGo flight tickets through the '''IndiGo website''' or '''mobile app'''.

BluChips function like a currency and can be used to pay for flights. However, the '''value of BluChips is dynamic''' and may vary depending on factors such as the flight route, booking date, and availability—at the sole discretion of IndiGo.

==== '''Estimated Value of BluChips:''' ====
Typically, you can expect a redemption value of '''₹0.40 to ₹0.50 per BluChip'''. Booking your flight earlier often gives you better value for your BluChips.

== Milestone Benefits ==
Get up to 25,000 additional IndiGo BluChips vouchers every year by spending ₹12,00,000.
{| class="wikitable"
!Spends Requirements
!Benefits
|-
|₹2,00,000
|5000 IndiGo BluChips
|-
|₹5,00,000
|5000 IndiGo BluChips
|-
|₹8,00,000
|5000 IndiGo BluChips
|-
|₹10,00,000
|5000 IndiGo BluChips
|-
|₹12,00,000
|5000 IndiGo BluChips
|}

==== Important Terms: ====

* Milestone Program renews every card anniversary year.
* BlueChips Vouchers will be credited in your IndiGo BluChip account post your card statement date.
* IndiGo BluChips voucher will have a validity of 6 months.

== Other Common IDFC First Credit Card's Terms & Conditions (Reward) ==

* '''Rent and Property Management Fee:''' 1% of the transaction amount, subject to a minimum of ₹249 per transaction.
* '''Fair Usage on Utility Spends:''' A 1% fee will be charged on utility spends if total utility transactions in a statement cycle exceed ₹20,000.
* '''Fuel Fee:''' A 1% fee will be applicable on fuel spends if total fuel transactions in a statement cycle exceed ₹30,000.
* '''Education Payment Fee:''' A 1% fee of the transaction amount, subject to a minimum of ₹249, will be applicable on education payments made through third-party platforms.

== Eligibility Criteria ==

* Must be an Indian resident
* Minimum age: 18 years
* Income: No official disclosure from the bank

== How To Apply ==
You can apply for this credit card online. If you already hold an IDFC FIRST Bank credit card, you may be eligible to get this card instantly.

== Related Cards ==
Kotak Indigo Credit Card

== References ==

* https://www.idfcfirstbank.com/credit-card/indigo-credit-card
* https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-privileges-document.pdf
* https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/IndiGo-Product-Guide.pdf
* https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf