IndiGo IDFC FIRST Credit Card
The IndiGo IDFC FIRST Credit Card is a dual-network co-brand (issued as both a Mastercard and a RuPay card on one account) built for people who fly IndiGo. It earns in IndiGo BluChips — the airline's own currency, which we value at about 42 paise toward IndiGo fares. IndiGo publishes no fixed rate: BluChips cover base fare only, taxes and fees are always cash, and the familiar "1 BluChip = ₹1" belonged to 6E Rewards, the retired HDFC co-brand currency, not to this one. You get 6 BluChips per ₹100 on IndiGo spends (plus up to 16 more from IndiGo's loyalty tiers), 3 BluChips per ₹100 on all other eligible spends, and 0.5 BluChips per ₹100 on fuel, insurance, utilities, rent, wallet loads and UPI; cash and EMI earn nothing. Joining and annual fees are each ₹4,999, and paying either returns 5,000 BluChips plus an IndiGo meal voucher; a first-year activation spend of ₹1 lakh in 90 days adds a 3,000-BluChip voucher, and there are joining extras (a 3-month EazyDiner Prime membership and a ₹3,000 Postcard Hotels voucher). Annual milestones at ₹2/5/8/10/12 lakh each award 5,000 BluChips — up to 25,000 a year. Add a low 1.49% forex, Mastercard World golf (12 green-fee rounds, 12 lessons and 4 guest rounds a year) and trip-cancellation cover up to ₹25,000 a year, and it is a genuinely rewarding card for a committed IndiGo flyer. An FD-backed secured variant (nil joining, ₹4,999 annual, no joining benefits) exists for those who cannot qualify unsecured — IDFC's page leads with a ₹50,000 minimum deposit, though it also mentions ₹1 lakh in places.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,100 in vouchers, points or cashback on card activation
️ 2.52% on Travel
6 IndiGo BluChips per ₹100 on IndiGo spends — the card's own share of IDFC's "up to 22" headline; the other 16 are IndiGo's own (12 for booking via IndiGo channels, 4 for Blu 1 status) and are earned with any card. We value a BluChip at 42 paisa, matching transfer-data/partners.yml
️ 1.26% on Other
3 IndiGo BluChips per ₹100 on all other eligible spends; cash withdrawals and EMI transactions earn nothing
Golf Privileges
Mastercard World golf — 12 complimentary green-fee rounds a year (max 3/quarter), 12 lessons (3/quarter) and 4 guest rounds a year (1/quarter)
Milestone Bonus
~₹2,100 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
️ Insurance Cover
Trip-cancellation cover up to ₹25,000 a year (per the current product page); the fuller insurance stack listed in the July product guide awaits re-verification
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 2.52% | — |
| Other | airline miles | 1.26% | — |
| Utility Bills | airline miles | 0.21% | — |
| Fuel | airline miles | 0.21% | — |
| Rent | airline miles | 0.21% | — |
| Insurance | airline miles | 0.21% | — |
| Wallet Loads | airline miles | 0.21% | — |
| Education | airline miles | 0.21% | — |
| Government & Tax | airline miles | 0.21% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹5,899 |
| Forex markup | 1.49% |
Perks & benefits
Estimated annual value beyond rewards — ~₹24,500/yr in total.
milestone bonus ~ ₹2,100 /yr
5,000-BluChip voucher at ₹2 lakh annual spend (first of five milestones; vouchers valid 6 months)
milestone bonus ~ ₹2,100 /yr
A further 5,000-BluChip voucher at ₹5 lakh annual spend
milestone bonus ~ ₹2,100 /yr
A further 5,000-BluChip voucher at ₹8 lakh annual spend
milestone bonus ~ ₹2,100 /yr
A further 5,000-BluChip voucher at ₹10 lakh annual spend
milestone bonus ~ ₹2,100 /yr
A further 5,000-BluChip voucher at ₹12 lakh annual spend (up to 25,000 BluChips a year in total)
golf ~ ₹12,000 /yr
Mastercard World golf — 12 complimentary green-fee rounds a year (max 3/quarter), 12 lessons (3/quarter) and 4 guest rounds a year (1/quarter)
️ insurance ~ ₹2,000 /yr
Trip-cancellation cover up to ₹25,000 a year (per the current product page); the fuller insurance stack listed in the July product guide awaits re-verification
Milestone ladder
- 1₹2,00,000 a year₹2,100 of value
- 2₹5,00,000 a year₹2,100 of value
- 3₹8,00,000 a year₹2,100 of value
- 4₹10,00,000 a year₹2,100 of value
- 5₹12,00,000 a year₹2,100 of value
Should you get it?
Best for: Frequent IndiGo flyers who redeem BluChips on IndiGo fares, High spenders who will hit the annual milestone tiers
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 2.52% back).
✓ Pros
- 6 IndiGo BluChips per ₹100 on IndiGo bookings
- An unusually generous 3 BluChips per ₹100 on all other spends
- Low 1.49% forex markup
- Up to 25,000 BluChips a year from spend milestones
- Dual Mastercard + RuPay, generous Mastercard World golf (12 rounds + 12 lessons + 4 guest rounds a year)
✕ Cons
- IndiGo BluChips can only be redeemed on IndiGo — value collapses if you fly other airlines
- No complimentary airport lounge access in the official product guide
- The ₹4,999 fee needs genuine IndiGo spend and milestone hits to justify
Eligibility & documents
Age
21 –60 years
Min. income
₹60,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem IndiGo BluChips toward IndiGo flight bookings (base fare only — we value one at about 42 paise)
🎁 Milestone and welcome BluChip vouchers credited to the linked IndiGo BluChip account
What your IndiGo BluChip are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
IndiGo fares on the 6E app ₹0.42 per BluChip against IndiGo base fare; airline-only, and BluChips expire with account inactivity
The concern BluChips redeem only on IndiGo, so the card''s value collapses if your flying isn''t mostly IndiGo; there is also no complimentary airport lounge access in the official product guide, and the fee is ₹4,999.
The bottom line
If the bulk of your flying happens on IndiGo, this card ranks among the stronger co-brand options available: 6 BluChips per ₹100 on IndiGo bookings, a generous-for-the-category 3 BluChips per ₹100 elsewhere, a competitive 1.49% forex markup, and as much as 25,000 BluChips a year through milestone spending. That said, the value on offer is tightly bound to IndiGo — since BluChips can only be redeemed on IndiGo flights, the card is only ever as useful as how often you actually fly the airline. It's also worth flagging that the official product guide lists no complimentary airport lounge access, and the ₹4,999 fee only pays for itself with meaningful, sustained IndiGo spending.
Sources & verification
Fees, reward rates, and benefits for the IndiGo IDFC FIRST Credit Card are taken from IDFC FIRST Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 8 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IDFC FIRST Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 4 changes · last change Jul 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 3 cuts
▼ Reward Effective 22 Jul 2026
FASTag, railway, government and education cut to 0.5 BluChips
3 BluChips per ₹100 (base rate) → 0.5 BluChips per ₹100
Under a fair-usage update effective 22 July 2026, FASTag recharges (MCC 4784), railway spends (MCC 4111/4112), government services (MCC 9000-9999) and education (MCC 8211-8299) drop from the card's unusually generous 3 BluChips per ₹100 base to 0.5 per ₹100 — a ~83% cut that moves them into the same reduced bucket as fuel, rent, utilities and UPI. IDFC frames it as targeting very high or unusual usage; everyday spending is untouched.
Verification: IDFC FIRST Bank ↗ · Confidence: High
▼ Reward Effective Jul 2026
BluChips now forfeited if the minimum due is missed
Credited regardless of payment behaviour → Credited on due date + 1 only if the minimum amount due is paid on time
From the July 2026 statement, a cycle's BluChips are posted the day after the payment due date and only for holders who paid at least the minimum amount due on time — miss it and that cycle's BluChips lapse entirely rather than being deferred. A single missed minimum can now wipe out a month of earning on a card built around milestone accumulation, and it also delays every credit to after the due date.
Verification: IDFC FIRST Bank ↗ · Confidence: High
▼ Reward Effective 18 Jun 2026
BluChip earning capped at the credit limit per billing cycle
All eligible spend earned BluChips → Only spend up to the assigned credit limit per cycle earns
From 18 June 2026 BluChips accrue only on spends up to the assigned credit limit within a billing cycle. IDFC closed the obvious workaround explicitly: transactions enabled by repaying mid-cycle and re-using the freed-up limit do not earn either. Ordinary use is unaffected, but the card can no longer out-earn its own limit in a month.
Verification: IDFC FIRST Bank ↗ · Confidence: High
2025 1 change — 1 neutral
◆ Launch Effective 18 Aug 2025
IndiGo and IDFC FIRST launch the co-branded dual card
IndiGo and IDFC FIRST Bank launched their co-brand as a dual card — a Mastercard and a RuPay issued on one application and one account, pairing global acceptance with UPI. It earns IndiGo BluChips (worth roughly ₹1 each against IndiGo fares): up to 22 per ₹100 on IndiGo bookings once loyalty-tier benefits are layered on, with a low 1.49% forex mark-up and up to 25,000 BluChips a year in spend-milestone vouchers. Joining fee ₹4,999, returning a 5,000-BluChip welcome voucher plus 3,000 more on ₹1 lakh of spend in 90 days; an FD-backed route offered guaranteed approval and no joining fee against a ₹1 lakh deposit.
Verification: IDFC FIRST Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
Source: IndiGo IDFC FIRST Credit Card value timeline — CardAdvisor
“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
HTML (with link) Plain text Copy
Source: IndiGo IDFC FIRST Credit Card value timeline , CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Apply now → Compare with my profile
Applications are submitted to and decided by IDFC FIRST Bank . CardAdvisor does not issue cards or process applications.
Find your best card
Answer 5 questions. Get a personalised shortlist with ₹ value estimates.
Find my card →
Quick summary
Type Premium credit card
Reward rate 1.26%–2.52%
Best for Frequent IndiGo flyers who redeem BluChips on IndiGo fares
Joining fee ₹4,999
Annual fee ₹4,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 8 Aug 2026
How we research →
Useful links
Rewards calculator
Estimate any card’s annual value
Points valuations
What each point is really worth
Latest card changes
Live fee & reward-rate tracker
Market insights
The Indian card landscape
Card data study 2026
280 cards analysed — August 2026
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.