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IndiGo IDFC FIRST Credit Card
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Card DetailIDFC · MASTERCARD · Premium tier

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 in India, 1 per ₹100 on international purchases (from 26 October 2026; it was 3), 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 no forex markup (IDFC removed it on all its cards in September 2026, KFS dated 15 Sep 2026; it was 1.49%), 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.

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IDFC FIRST BankPREMIUM
IndiGo IDFC FIRST Credit Card
IDFC FIRST Bank
IndiGo IDFC FIRST Credit Card

Illustration by CardAdvisor — not a depiction of the issued card. Independent; not affiliated with IDFC FIRST Bank.

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★ 4.2 / 5 · CardAdvisor rating•Issued by IDFC FIRST Bank•Updated
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4.2
out of 5
Premium tier
For someone whose flying is mostly IndiGo, this is one of the better co-brand cards going: 6 BluChips per ₹100 on IndiGo, an unusually generous 3 BluChips per ₹100 on other spends at home (1 per ₹100 abroad from 26 October 2026), no forex markup since September 2026 and up to 25,000 BluChips a year in milestones. The value is real but IndiGo-shaped — BluChips only redeem on IndiGo, so the card is only as good as your IndiGo flying. Note there is no complimentary airport lounge access in the product guide, and the ₹4,999 fee needs genuine IndiGo spend to justify.
Annual fee₹5,899 incl. GST
Top rate~1.26%–2.52%
Best forFrequent IndiGo flyers who redeem BluChips on IndiGo fares
~₹2,100
Welcome benefit
0%
Forex markup
~₹24,500
Total perk value / yr

In-depth review

IndiGo IDFC FIRST Credit Card

IndiGo's co-brand with IDFC FIRST — 6 IndiGo BluChips per ₹100 on IndiGo bookings, an unusually generous 3 per ₹100 on other spends in India (1 per ₹100 abroad from 26 October 2026), no forex markup and up to 25,000 BluChips a year in milestones. A genuinely rewarding card for a committed IndiGo flyer, but BluChips only redeem on IndiGo and there is no complimentary airport lounge access, so its value is entirely IndiGo-shaped.

Read the full review →

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹2,100 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days

✈️

6 miles/₹100 on Travel (~2.52% value)

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; international purchases earn 1 per ₹100 from 26 Oct 2026 (the INTERNATIONAL row below)

🌍

Zero Forex Markup

Use abroad without extra charge — swipe internationally like you do domestically.

⛳

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

Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.

🛡️

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

✈️ TRAVEL BENEFITS

Lounge access, miles, forex rates and travel perks at a glance.

0% — Zero!

Forex markup

2.5%

Travel reward rate

AIRLINE / TRAVEL PARTNERS

IndiGo flight bookings on goindigo.in and the IndiGo app
  • Miles on: IndiGo flight bookings on goindigo.in and the IndiGo app
  • 2.5% effective return on travel bookings
  • Zero forex markup — zero extra cost abroad
  • Travel insurance cover included

👑 PREMIUM LIFESTYLE BENEFITS

Concierge, golf, hotel membership and high-value perks for premium cardholders.

12 rounds

Golf rounds/year

₹12,000

Golf perk value

₹2,100

Milestone bonus value

Golf AccessInsurance Cover
  • 12 complimentary golf rounds/year at partner courses
  • Travel insurance and accident cover
  • 5,000-BluChip voucher at ₹2 lakh annual spend (first of five milestones; vouchers valid 6 months)
Who is this for?

For frequent IndiGo flyers who will use BluChips on IndiGo fares and can hit the annual milestones — the 6X on IndiGo spends, the 3X base and no forex markup make it a strong single card for that traveller.

Full reward structure

What you earn on every rupee, per spend category — as of 27 Oct 2026. Rates assume 1 pt = ₹0.42. How we value points →

CategoryTypeRateMonthly cap
Travelonly at IndiGo flight bookings on goindigo.in and the IndiGo appairline miles2.52%6 pts/₹100 × ₹0.42—
Otherairline miles1.26%3 pts/₹100 × ₹0.42—
Internationalairline miles0.42%1 pts/₹100 × ₹0.42—
Utility Billsairline miles0.21%0.5 pts/₹100 × ₹0.42—
Fuelairline miles0.21%0.5 pts/₹100 × ₹0.42—
Rentairline miles0.21%0.5 pts/₹100 × ₹0.42—
Insuranceairline miles0.21%0.5 pts/₹100 × ₹0.42—
Wallet Loadsairline miles0.21%0.5 pts/₹100 × ₹0.42—
Educationairline miles0.21%0.5 pts/₹100 × ₹0.42—
Government & Taxairline miles0.21%0.5 pts/₹100 × ₹0.42—

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 · IndiGo flight bookings on goindigo.in and the IndiGo app

Other: 3 IndiGo BluChips per ₹100 on all other eligible spends; cash withdrawals and EMI transactions earn nothing; international purchases earn 1 per ₹100 from 26 Oct 2026 (the INTERNATIONAL row below)

International: 1 IndiGo BluChip per ₹100 on international purchases, down from the 3-per-₹100 base. IDFC's card page: "Effective 26th October 2026, earn 1 IndiGo BluChip on every ₹100 spent on international purchases"

Utility Bills: 0.5 IndiGo BluChips per ₹100 on utilities — including FASTag, railway and government payments — and on fuel, insurance, rent, wallet loads and UPI spends

Fuel: 0.5 BluChips per ₹100 on fuel — a reduced rate, not an exclusion

Rent: 0.5 BluChips per ₹100 on rent — a reduced rate, not an exclusion

Insurance: 0.5 BluChips per ₹100 on insurance — a reduced rate, not an exclusion

Wallet Loads: 0.5 BluChips per ₹100 on wallet loads — a reduced rate, not an exclusion

Education: 0.5 BluChips per ₹100 on education payments — a reduced rate, not an exclusion

Government & Tax: 0.5 BluChips per ₹100 on government payments — a reduced rate, not an exclusion

Earns nothing on: Cash Advances · EMI Conversions

These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 27 Oct 2026.

Real annual cost: ₹4,999 + 18% GST = ₹5,899 all-in. Joining fee ₹4,999 + 18% GST = ₹5,899 all-in. Issuers quote fees before tax — the all-in figure is what you actually pay.
ChargeAmount
Annual fee (incl. 18% GST)₹5,899
Joining fee (incl. 18% GST)₹5,899
Forex markup0%
Reward redemption feeFree

Perks & benefits

Estimated annual value beyond rewards — ~₹24,500/yr 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)

DomesticInternational
🛡️
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

DomesticInternational
🎯
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)

🎯
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 ₹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

5,000-BluChip voucher at ₹2 lakh annual spend (first of five milestones; vouchers valid 6 months)

Milestone ladder

  • ₹2,00,000 a year₹2,100 of value
  • ₹5,00,000 a year₹2,100 of value
  • ₹8,00,000 a year₹2,100 of value
  • ₹10,00,000 a year₹2,100 of value
  • ₹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 everyday spends (1.26% back; 2.52% only at IndiGo flight bookings on goindigo.in and the IndiGo app).

Pros & cons

✓ Pros

  • 6 IndiGo BluChips per ₹100 on IndiGo bookings
  • An unusually generous 3 BluChips per ₹100 on other spends in India
  • No forex markup since September 2026 (IDFC KFS dated 15 Sep 2026), and international purchases still earn 1 BluChip per ₹100
  • 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

Age18+ years
EmploymentSalaried · 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

₹0.42/pt
Compare what every reward currency is worth →
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.

Frequently asked questions

What does the card earn on IndiGo spends?
6 IndiGo BluChips per ₹100 from the card, plus up to 16 more per ₹100 from IndiGo's own loyalty-tier benefits. In effective-return terms this card's best everyday earn is 1.26% on everyday spends — percentages here are the real return after converting points at their card-specific value, not the headline points-per-₹100. It reaches 2.52% at IndiGo flight bookings on goindigo.in and the IndiGo app, and only there. Figures as of October 2026.
What does it earn on non-IndiGo spends?
3 IndiGo BluChips per ₹100 on other eligible spends in India, 1 per ₹100 on international purchases (from 26 October 2026; it was 3), and 0.5 per ₹100 on fuel, insurance, utilities, rent, wallet loads and UPI.
What is an IndiGo BluChip worth?
We value it at about 42 paise. IndiGo publishes no fixed conversion — its terms say the rate varies by route, date, season and cabin, and BluChips cover base fare only, with taxes and fees always payable in cash. The familiar "1 BluChip = ₹1" belonged to 6E Rewards, the retired HDFC co-brand currency, and does not apply here. BluChips can only be used on IndiGo, so their value depends on your IndiGo flying.
How do the milestone benefits work?
Annual spends of ₹2/5/8/10/12 lakh each award a 5,000-BluChip voucher — up to 25,000 BluChips a year. The current milestone schedule: A further 5,000-BluChip voucher at ₹12 lakh annual spend (up to 25,000 BluChips a year in total). Fully hit, that is worth about ₹2,100 a year on top of regular earn. Figures as of October 2026.
Is there a secured variant?
Yes — an FD-backed secured variant has no joining fee but the same ₹4,999 annual fee and no joining benefits. IDFC's page leads with a ₹50,000 minimum fixed deposit, though it also says ₹1 lakh in two places — confirm the current figure with the bank before applying.
How has the IndiGo IDFC FIRST Credit Card changed over time?
Our dated Value Timeline for the IndiGo IDFC FIRST Credit Card (on this page) records 6 changes since 2025: 4 devaluations, 1 improvement, and the rest neutral changes such as launches or restructures. The most recent entry: International spends cut to 1 BluChip per ₹100 (26 October 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents.
Has the IndiGo IDFC FIRST Credit Card been devalued recently?
Yes — our record shows 4 devaluations to the IndiGo IDFC FIRST Credit Card in the last 24 months. The most recent: International spends cut to 1 BluChip per ₹100, effective 26 October 2026 — from 3 BluChips per ₹100 (base rate) to 1 BluChip per ₹100. The full dated list, with what changed and its source, is in the Value Timeline on this page.
When did the IndiGo IDFC FIRST Credit Card's fees last change?
9 September 2026: Forex markup removed — from 1% to 3.5%, depending on the card to 0% (nil). The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.
How did the IndiGo IDFC FIRST Credit Card change in 2026?
Our record shows 5 changes to the IndiGo IDFC FIRST Credit Card in 2026 (4 cuts and 1 improvement): BluChip earning capped at the credit limit per billing cycle (18 June 2026); BluChips now forfeited if the minimum due is missed (July 2026); FASTag, railway, government and education cut to 0.5 BluChips (22 July 2026), and 2 more. The biggest single change: before 9 September 2026 it was 1% to 3.5%, depending on the card; from then on, 0% (nil). Every event, dated and sourced, is in the Value Timeline on this page.

The bottom line

For someone whose flying is mostly IndiGo, this is one of the better co-brand cards going: 6 BluChips per ₹100 on IndiGo, an unusually generous 3 BluChips per ₹100 on other spends at home (1 per ₹100 abroad from 26 October 2026), no forex markup since September 2026 and up to 25,000 BluChips a year in milestones. The value is real but IndiGo-shaped — BluChips only redeem on IndiGo, so the card is only as good as your IndiGo flying. Note there is no complimentary airport lounge access in the product guide, and the ₹4,999 fee needs genuine IndiGo spend to justify.

Apply →Estimate my rewardsIs this YOUR best card? →

How this page was built

Counted from this card’s own record: 10 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 7 recorded perks.

Last updated 27 Oct 2026.

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 updated 27 Oct 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.

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Guides and reviews related to this card.

IndiGo IDFC FIRST Credit Card

IndiGo's co-brand with IDFC FIRST — 6 IndiGo BluChips per ₹100 on IndiGo bookings, an unusually generous 3 per ₹100 on other spends in India (1 per ₹100 abroad from 26 October 2026), no forex markup and up to 25,000 BluChips a year in milestones. A genuinely rewarding card for a committed IndiGo flyer, but BluChips only redeem on IndiGo and there is no complimentary airport lounge access, so its value is entirely IndiGo-shaped.

→

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 · last change Oct 2026

▲ Revaluation▼ Devaluation◆ Neutral / reversed

2026

  1. ▼ RewardObserved 8 Oct 2026 · Effective 26 Oct 2026

    International spends cut to 1 BluChip per ₹100

    3 BluChips per ₹100 (base rate)→1 BluChip per ₹100

    From 26 October 2026 international purchases earn 1 IndiGo BluChip per ₹100, down from the card's 3-per-₹100 base: a two-thirds cut on exactly the spend its zero forex mark-up draws in. The zero mark-up itself is unchanged. IDFC announced it on the card's own page ahead of the date.

    Verification: IDFC FIRST Bank ↗ · Confidence: High

  2. ▲ FeeEffective 9 Sept 2026

    Forex markup removed

    1% to 3.5%, depending on the card→0% (nil)

    IDFC FIRST Bank stopped charging a markup on foreign-currency spends on all its credit cards from 9 September 2026, the effective date its letter to cardmembers gives. Its Key Fact Statement dated 15 September 2026 lists the markup on foreign-currency and currency-conversion transactions as nil, with no card-by-card exception, where the January 2026 edition charged 3.5% on most cards and less on a few (1.99% on the FIRST Select, 1.5% on the FIRST Wealth, 1.49% on the IndiGo card and 1% on the Ashva). The same letter says international spends stop earning reward points from 26 October 2026 on most IDFC FIRST cards; that is recorded as its own change.

    Verification: IDFC FIRST Bank ↗ · Confidence: High

  3. ▼ RewardEffective 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

  4. ▼ RewardEffective 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

  5. ▼ RewardEffective 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

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.

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Source: <a href="https://cardadvisor.in/cards/idfc-indigo#value-timeline">IndiGo IDFC FIRST Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).

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