IndiGo IDFC FIRST Dual Credit Cards

The joining fee of ₹4,999 + GST will be charged on the day of card application. However, you are expected to make the payment within the 1st statement’s due date to avoid card closure.

Please Note: For the FD backed variant there would be no joining fee which requires a Fixed deposit to be pledged of ₹1,00,000.

Please Note: Physical cards will be dispatched only after payment of joining fees/ FD creation on basis of the variant selected.

Annual Fee of ₹4,999 + GST will be levied every 12 months (365 days) from the day of card issuance, in every 13th statement. The fee must be paid by the Payment due date of the corresponding statement.

IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee/FD requirements and its associated benefits. By asking for joining fee payment/FD creation upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable Fee/FD requirements, before committing to this IndiGo IDFC FIRST Credit card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.

You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.

You can also pay the Joining Fee of ₹4,999 + GST by clicking here: https://www.idfcfirstbank.com/credit-card/card-payment?cardType=MINU

On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking

For Joining fee variant
As per the process, upfront Joining Fee payment is required to activate your digital cards and initiate dispatch of the dual credit card.

•On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here: https://www.idfcfirstbank.com/credit-card/card-payment?cardType=MINU

For FD backed variant
Creating/ Linking a Fixed Deposit is required to activate your digital cards and initiate dispatch of the dual credit card.

On card application approval, you will receive communication for funding your FD. To Fund your FD now, click here: https://www.idfcfirstbank.com/credit-card/cc-cli-standalone


Once the Joining Fee is paid/ FD is funded, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here: https://my.idfcfirstbank.com/manageCreditcard

On payment of joining fee or FD creation based on the variant of the IndiGo IDFC FIRST Credit Card, the physical credit cards will be dispatched to your mailing address registered with the bank and should arrive in 5 working days.

If your address has changed, please visit a nearby branch and get your address updated in the bank records or click here. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.

The IndiGo IDFC FIRST Credit Card stands out as a unique airline co-brand travel proposition, where customers can either apply traditionally or pledge a fixed deposit of ₹1 lakh to get started.

What makes this card truly unique is its dual card advantage: it combines the global acceptance of Mastercard with a low forex markup of just 1.49%, alongside the convenience of RuPay for seamless UPI transactions.

The unified rewards program allows customers to earn accelerated 6E Rewards (IndiGo BluChips) across all spends, which can be redeemed for flights.

Additionally, customers can boost their rewards further through early activation bonuses and annual milestone benefits, making it a powerful, travel-friendly card tailored to a range of spending styles.

This card is for everyone who wants to fly more, earn more and pay flexibly. Whether you are new to credit cards or an experienced user — you can choose the path that works for you:

    · FD-based application

    · Credit eligibility-based application
    Both paths lead to the same rewarding experience.

Join the loyalty program IndiGo BluChip and unlock exclusive rewards and benefits for frequent flyers. Earn points and enrol now to start reaping the rewards on IndiGo website and app.
Please note: Your benefits on IndiGo IDFC FIRST Dual Credit Card will be in the form of IndiGo BluChips and Vouchers of IndiGo BluChips basis of respective benefit

Paying the Joining fee for the IndiGo IDFC FIRST Credit Card comes with several benefits.

Joining fee payment benefits:
• Voucher of 5000 IndiGo BluChips
• A complimentary IndiGo meal voucher
Please Note: Welcome benefits are only applicable upon joining fee payment i.e., not available for FD-backed variant of IndiGo IDFC FIRST Credit Card

Other one-time exclusive benefits card generation on joining fee payment
• 3 months complimentary Eazydiner prime membership worth Rs. 1095
• Postcard hotels stay voucher worth ₹3,000
One-time exclusive benefits are applicable to the joining fee variant and the FD variant of the IndiGo IDFC FIRST Credit Card

Joining fee benefits will be processed within 5 working days following the payment of the joining fee. 

Renew the card every year by paying the Annual fee of ₹4,999+GST and unlock the following Annual Benefits

•Voucher of 5000 IndiGo BluChips
•A complimentary IndiGo meal voucher

Annual benefits will be processed within 5 working days following the payment of the annual fee. 

Customer will earn IndiGo BluChips on every transaction using the IndiGo IDFC FIRST Credit Card. Here's how the IndiGo BluChips are calculated:
- 6 IndiGo BluChips on every Rs. 100 spent on flights booked on IndiGo website and mobile app
- 3 IndiGo BluChips on every Rs. 100 spent on other categories
- 0.5 BluChips on every Rs 100 spent on UPI on Credit Card spends
- 0.5 IndiGo BluChips on Insurance, Rent, Utility, Wallet spends as defined by Network Merchant category codes (MCCs)

The above structure is applicable across both your IndiGo IDFC Credit Card pair

Additionally, earn up to 16 IndiGo BluChips as per the tier benefits of IndiGo Loyalty Program Membership
Know more: https://www.goindigo.in/loyalty/ilp.html?linkNav=About%20IndiGo%20BluChip%7CDISCOVER%7CIndiGo%20BluChip

Please Note: No BluChips will be rewarded on cash transactions and transactions converted to EMI

Customer will earn IndiGo BluChips on every transaction using the IndiGo IDFC FIRST Credit Card. Here's how the IndiGo BluChips are calculated:
- 6 IndiGo BluChips on every Rs. 100 spent on flights booked on IndiGo website and mobile app
- 3 IndiGo BluChips on every Rs. 100 spent on other categories
- 0.5 BluChips on every Rs 100 spent on UPI on Credit Card spends
- 0.5 IndiGo BluChips on Insurance, Rent, Utility, Wallet spends as defined by Network Merchant category codes (MCCs)

The above structure is applicable across both your IndiGo IDFC Credit Card pair

Additionally, earn up to 16 IndiGo BluChips as per the tier benefits of IndiGo Loyalty Program Membership
Know more: https://www.goindigo.in/loyalty/ilp.html?linkNav=About%20IndiGo%20BluChip%7CDISCOVER%7CIndiGo%20BluChip

Please Note: No BluChips will be rewarded on cash transactions and transactions converted to EMI

Yes, IndiGo BluChips will not be rewarded on cash transactions and transactions converted to EMI

Apart from the BluChips earned on the IndiGo IDFC FIRST Dual Credit card spends, customers stand to earn up to 16 additional BluChips basis their IndiGo BluChip Loyalty Program Tier

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)

Customer will be receiving voucher of 3000 IndiGo BluChips upon spending ₹1Lac within 90 days of card generation.
Please Note: This is a one-time offer available only in the 1st year

As an IndiGo IDFC FIRST Credit Card holder, you stand a chance to get bonus vouchers of 25,000 IndiGo BluChips every year.

Cardmembers will receive a Bonus voucher of 5000 IndiGo BluChips on every spend milestone. Spend Milestones being INR 2 Lakh spends, 5 Lakh spends, 8 Lakh spends, 10 Lakh spends, and 12 Lakh spends.

Applicable for spends across both cards

These vouchers would be credited in your IndiGo BluChip account 5 days after the statement generation date of the month in which the respective milestone was achieved.

The Spend Milestone reward program renews every year.

Yes, the Milestone benefits renew every year. 

There are two ways in which you can own IndiGo IDFC FIRST Dual Credit Card
1) Joining fee-based variant: Pay the joining fee of ₹4,999 +GST and own the dual credit cards
2) FD-backed variant: Pledge an FD of ₹1,00,000 and own the product at ₹0 Joining fee.

Please Note: Welcome benefits are only applicable upon joining fee payment i.e., not available for FD-backed variant of IndiGo IDFC FIRST Credit Card. The Joining fee-based variant of the IndiGo IDFC FIRST Credit Card is offered on credit check eligibility basis.

From Year 2 onwards, both FD and credit-based customers will follow the same annual fee structure and enjoy the same card benefits. 

No, there is no difference in the benefits of earning IndiGo BluChips except for, joining fee benefits for which FD backed card holders would not be eligible.

The forex mark-up fee on the IndiGo IDFC FIRST Credit Card is competitively set at 1.49% 

Yes, as part of the Mastercard Network benefits, you can avail golf offers with your IndiGo IDFC FIRST Credit Card. This includes:

    · 12 complimentary rounds of green fees per calendar year (only 3 rounds in a calendar quarter)

    · 12 complimentary golf lessons per calendar year (3 lessons per calendar quarter)

    · 4 complimentary rounds of green fees for guests per calendar year (only 1 round in a calendar quarter)

For bookings, queries, or complaints, please call the Mastercard toll-free helpline no. 1800-102-6263

IndiGo BluChips is the unit currency of the IndiGo BluChip program. Members earn IndiGo BluChips for eligible spends with IndiGo IDFC FIRST Credit Card. These IndiGo BluChips can be redeemed for IndiGo flights, which are marketed and operated by IndiGo as well as marketed by IndiGo but operated by a codeshare partner. For more details visit: https://www.goindigo.in/loyalty/ilp.html

IndiGo BluChips is a currency that you could redeem for flight tickets. The value of IndiGo BluChip could vary depending upon the flight source and destination, day of flight booking etc at the discretion of IndiGo. The sooner you book your flight, more the chances of maximizing your IndiGo BluChips’s worth. For further details on IndiGo BluChip visit: https://www.goindigo.in/loyalty/faq.html

IndiGo BluChips can be redeemed against IndiGo flights through IndiGo website and mobile app.
For more details visit: https://www.goindigo.in/loyalty/dashboard/how-to-burn-points.html

IndiGo BluChip Vouchers can be redeemed against IndiGo flights through IndiGo website and mobile app. IndiGo BluChip member and/or their nominee can book flights using IndiGo BluChip Voucher.
Detailed T&C: https://www.goindigo.in/loyalty/terms-and-conditions.html?linkNav=Terms%20%26%20Conditions%7CDISCOVER%7CIndiGo%20BluChip

Bonus voucher of IndiGo BluChips earned as a part of Welcome benefits has an expiry of 6 months from the date of credit of the voucher in your IndiGo BluChip Account

Yes, you can use your IndiGo BluChips to book an international flight via IndiGo website and mobile app.

Yes, you can book IndiGo flights for up to 5 registered nominees. Nominees can be registered in your IndiGo BluChip Account

Yes, you are welcome to make the IndiGo IDFC FIRST Credit Card yours even if you are not a member of the IndiGo Loyalty Program. We shall create an IndiGo BluChip membership for you.

Pro Tip: You can register for the IndiGo BluChip Loyalty Program using your Aadhaar-linked mobile number. This helps us instantly link your IndiGo BluChip ID with your IndiGo IDFC FIRST Credit Card and start rewarding from Day 1. Click here to register now: https://www.goindigo.in/loyalty/ilp.html

Your IndiGo IDFC Credit card comes with a dual card proposition to provide you with unmatched flexibility and freedom.

RuPay card gives you the ease of UPI, whereas Mastercard provides you with global acceptance. Additionally, enjoy the Network offers of RuPay and Mastercard both!

Please Note:
a) The credit limit shall be combined across both cards
b) Payment of the joining fee/ FD creation will be considered as intent to keep both the cards active
c) A combined statement will be generated combining transactions done on both the cards

IndiGo BluChips earned on both cards will be combined into one rewards pool, redeemable via the IndiGo app/website for flights.

After your application is approved and the Joining fee is paid or FD creation/linking is completed based on the variant applied for, your IndiGo IDFC FIRST Dual Credit Cards will be dispatched and will be delivered within 5 working days.

The welcome kit will have IndiGo IDFC Dual Credit Cards- (Mastercard and RuPay).
Both cards need to be set up individually. Spends across both cards will be considered for spend-related benefits, including activation and milestone benefits.

Once the Joining Fee payment/ FD creation (based on the variant applied) is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App.

Please set a PIN for your dual cards individually
There are 3 easy ways to generate your Credit Cards PIN:

1. Through Net banking:
Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]
a. Enter “Customer ID” & “Credit Card number” and click on Get OTP
b. Verify using the OTP sent to your registered mobile number
c. Enter and re-enter PIN of your choice and click on confirm
d. You could also log in to your Net Banking account and follow the below steps
i. Select Credit Cards section
ii. Select Set new PIN
iii. Enter and re-enter the PIN of your choice and click on Get OTP
iv. Please verify through the OTP sent to your registered mobile number
2. Through the IDFC FIRST Bank App
a. Select the browse icon from the right-side top menu on the login page
b. Enter “Customer ID” & “Credit Card number” and click on Get OTP
c. Verify through the OTP sent to your registered mobile number
d. Enter and re-enter PIN of your choice and click on confirm
e. You could also log in to the App and follow the steps below
i. Access Credit Cards section
ii. Select Set new PIN
iii. Enter and re-enter the PIN of your choice and click on Get OTP
3. Customer Care

Call our toll-free number 1800 10 888 and follow the instructions to generate the PIN

Or click here fill in the required details IDFC FIRST Bank

Complete your UPI app registration journey with your registered mobile number and follow these simple steps to enable your IndiGo IDFC FIRST RuPay Credit Card for payments:

1.  Open the UPI app and choose Add RuPay Credit Card

2.  Select IDFC FIRST Bank, and your eligible cards will be displayed

3.   Select your IndiGo IDFC FIRST RuPay Credit Card, enter the last 6 digits of your card, card expiry, and OTP to complete your registration.
4.   Start making UPI Transactions

Yes, you must set PIN and transaction preference for both cards separately. Click here to Set PIN and manage your transaction preferences: https://my.idfcfirstbank.com/manageCreditcard

If you are applying for an IDFC FIRST Bank credit card for the first time, your eligibility will be assessed basis our internal policies and subsequently credit limit will be assigned.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

The Credit Limit for the FD-backed Variant of IndiGo IDFC FIRST Credit Card will be equal to the FD amount

Please note: Credit Limit will be shared across both your IndiGo IDFC FIRST Credit Card Pair.

For FD-backed IndiGo IDFC FIRST Credit Card
Your credit limit can be increased in 3 ways
1) Additional FD pledges
You can simply take a 3-step online journey through: https://idfcfr.in/iemfeq and boost your Credit Card limit instantly.

2) Customer Behaviour
Based on customers' spends and repayment behaviour, customer stands a chance to receive Credit Limit Increase Offers from IDFC FIRST Bank.

3) Organic FD growth
Auto- limit growth via FD interest Rewards "Earn more, access more- as your FD grows, so does your savings”.

For fee-based IndiGo IDFC FIRST Credit Card
The credit limit on credit cards can be changed by the bank based on the customer’s eligibility criteria. The other way to increase your credit limit is by sharing specific documents with the bank for further assessment.

Eligible customers receive a proactive offer to increase their credit card limit.

Please access your statement in your IndiGo IDFC FIRST card section on your IDFC FIRST Mobile App.
Please note: The statement date may be subject to change if it falls on a holiday. You will receive a single statement with transactions done on both cards. You have to pay the due amount once on any of your IndiGo IDFC FIRST Credit card.

Paying your Credit Card bill is as easy as swiping the card for shopping. There are multiple ways in which you can pay your credit card bill. Click here to know more: https://www.idfcfirstbank.com/personal-banking/payments/cc-bill-payment
Please note: You will receive a single statement with transactions done on both cards. Any payment done on your Indigo IDFC dual cards will be reflected across both and will reflect accordingly.

It is the total amount to be paid by the due date to avoid any additional charges. For more details, please refer to our MITC document.

It is the amount to be paid to avoid any late payment charges. An interest will be applicable on the unpaid amount. For more details, please refer to our MITC document.

Late payment charges are levied when a customer does not pay the MAD amount before the due date. For more details, please refer to our MITC document.

Yes, you can! And what’s great is that all ATM cash withdrawals are interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of where you are or the amount you withdraw. The maximum cash withdrawal limit would be 10% of your credit limit.

In case you lose your credit card, immediately block it through any of the routes mentioned below and reapply for a replacement
• Customer Care Helpline
You can call the customer care helpline number, 1800 10 888 and place a request to block the lost card. The customer service executives may verify some information before they block the card remotely.
• IDFC FIRST Mobile Banking App
You can log in to the IDFC FIRST Mobile Banking App, in the credit card section, select the option to block your credit card.
• Net Banking Portal
You can log in to IDFC FIRST Bank’s website with your net banking credentials and block your credit card.
• SMS Service
You can place a request to block your card via SMS, please type CCBLOCK<Space><Last 4 digits of Credit Card number> and sent it on 5676732.

For Joining fee-based credit card
Once the Joining Fee payment is completed, the credit cards can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App

For FD-backed credit card
Once the FD is created/linked, the credit cards can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App

1. Customers can apply through our mobile app, website & all our partner channels through a simple DIY process
2. Customer to select to apply either with ₹4999 joining fee card or ₹0 joining fee card with Rs ₹1 Lac FD

a. Steps to apply for IndiGo IDFC FIRST Credit Card with ₹4999 Joining fee
Step1: Customer selects to apply for ₹4999 joining fee card.
Step 2 : Enter your basic personal details, depending on your customer segment
Step 3 : Basis eligibility, the customer will be offered the IndiGo IDFC FIRST Credit Card limit.
Step 4 : Customer’s IndiGo BluChip Membership ID will be fetched or created basis the process
Step 5 : Complete your instant video KYC (if required)
Step 6 : Pay the Joining Fees to avail welcome offers & initiate delivery of Cards.
Step 7 : Receive a combined welcome kit with both your Mastercard & RuPay cards

b. Steps to apply for IndiGo Credit card with ₹ 0 Joining Fee with ₹1L FD
Step 1 : Customer selects to apply for Zero joining fee card with ₹1 Lac FD
Step 2 : Enter your basic personal details, depending on your customer segment
Step 3 : Basis eligibility, customer will be offered the Credit Card.
Step 4 : Customer’s BluChip ID will be fetched or created basis the process.
Step 5 : Fund the FD through a new FD of ₹1L
Step 6: Complete your instant video KYC (if required) to initiate the card delivery.
Step 7: Receive a combined welcome kit with both your Mastercard & RuPay cards 

Your FD will be placed as lien-backed security against your credit card. You are free to close the card and withdraw the FD anytime, subject to standard FD closure terms.
No lien will remain once the card is closed.

Upon cancellation/ closure of the Credit Card, the linked FD gets released after clearing any outstanding dues.