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

16 Oct 2025 by Team FinFIRST

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Do you want your flights to feel more rewarding every time you travel? Many travellers look for an IndiGo credit card, as it can provide flight benefits, reward points, and perks tailored to IndiGo airline passengers.

One standout option is the IndiGo IDFC FIRST Dual Credit Card, designed to offer something extra. Offering dual cards (Mastercard and RuPay), IndiGo BluChips on every spend, and both secured and unsecured application options, this IndiGo credit card balances everyday convenience with frequent flyer perks.

Let’s find out how.

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What is an IndiGo co-branded credit card?

An IndiGo co-branded credit card combines the strengths of a credit card with IndiGo’s frequent flyer program to deliver extra value. The IndiGo IDFC FIRST Dual Credit Card is designed to meet this need through several unique features:

1. Dual credit cards linked to one account

Cardholders get two credit cards (one Mastercard and the other RuPay) under one account with a single limit.

2. Co-branded benefits

Backed by IndiGo and IDFC FIRST Bank for rewarding your everyday spends with travel benefits.

3. Earn IndiGo BluChips as rewards

Earn IndiGo BluChips on flight bookings and daily spends.

Together, these features ensure the IndiGo credit card makes flying and everyday transactions more rewarding.

Two ways to apply for the IndiGo IDFC FIRST Dual Credit Card

The IndiGo IDFC FIRST Dual Credit Card is available in unsecured and FD-backed options, making it accessible to almost anyone. This flexibility especially benefits those with weak or no credit scores, such as new jobbers, freelancers or self-employed individuals.

	Unsecured variant	Secured (FD-backed) variant
Best suited for	Salaried or self-employed individuals	Anyone with no or low credit history – e.g. students, homemakers, or freelancers
Eligibility	Income proof and CIBIL score	Minimum FD of ₹1 lakh
Annual Fee	₹4,999 + taxes	₹4,999 + taxes First-year fee waived
Credit Limit	Based on income and repayment history	Minimum 100% of FD value
Reward Program (per ₹100 spent)	Up to 22 IndiGo BluChips on IndiGo flights booked via the IndiGo website & mobile app (6 on card + up to 16 from IndiGo (based on tier) 3 on other spends 0.5 on UPI Spends 0.5 on insurance, utilities, fuel, rent, and wallet recharges Excludes cash withdrawal and EMI transactions	Up to 22 IndiGo BluChips on IndiGo flights booked via the IndiGo website & mobile app (6 on card + up to 16 from IndiGo (based on tier) 3 on other spends 0.5 on UPI Spends 0.5 on insurance, utilities, fuel, rent, and wallet recharges Excludes cash withdrawal and EMI transactions

Both routes make this IndiGo credit card accessible, ensuring frequent travellers and first-time applicants can find a path that works for them.

Eligibility criteria of the IndiGo IDFC FIRST Dual Credit Card

The IndiGo IDFC FIRST Dual Credit Card comes with easy-to-meet eligibility requirements, ensuring more customers can apply confidently.

Minimum age is 18 years
Must be an Indian citizen or resident
For unsecured applications, income proof and a satisfactory credit score are required
For secured applications, an FD of at least ₹1 lakh must be opened with IDFC FIRST Bank

These conditions make the IndiGo credit card accessible to both new-to-credit customers and experienced borrowers.

Step-by-step: How to apply for the IndiGo IDFC FIRST Dual Credit Card

The IndiGo IDFC FIRST Dual Credit Card can be applied for digitally through the IDFC FIRST Bank website or mobile banking app. Customers can choose between the ₹4,999 joining fee option or the ₹0 joining fee FD-backed option.

1. Apply with ₹4,999 joining fee (unsecured card)

● Step 1: Select the ₹4,999 joining fee card.

● Step 2: Confirm your phone number with an OTP.

● Step 3: Provide your PAN and income details to get your eligible credit limit.

● Step 4: Complete your instant video-KYC with PAN and Aadhaar (not needed for existing customers).

2. Apply with ₹0 joining fee and minimum ₹1 lakh FD (secured card)

● Step 1: Select the zero joining fee card with ₹1 lakh FD.

● Step 2: Confirm your phone number with an OTP.

● Step 3: Provide your PAN card and other basic details.

● Step 4: Fund the FD with a minimum of ₹1 lakh.

● Step 5: Complete your instant video-KYC with PAN and Aadhaar (not needed for existing customers).

Once your credit card application is approved, your IndiGo BluChip ID will be fetched or created. In case of the unsecured variant, the welcome benefits will be activated once you pay the joining fee.

You will receive a welcome kit with both Mastercard and RuPay credit cards within five working days of joining fee payment or pledging an FD of ₹1 lakh, depending on the variant.

Top benefits of the IndiGo co-branded credit card

The IndiGo IDFC FIRST Dual Credit Card delivers strong travel benefits through its reward structure and added perks.

1. Dual-network advantage

Get both Mastercard and RuPay cards under one account. Spends across both count for activation and milestone benefits.

2. IndiGo rewards on every spend

Earn IndiGo BluChips with every transaction, across both cards:

● Up to 22 IndiGo BluChips per spend on IndiGo flights (6 from the card + up to 16 from IndiGo tier benefits)

● 3 IndiGo BluChips per ₹100 spent on regular purchases

● 0.5 IndiGo BluChips per ₹100 spent on fuel, utilities, insurance, rent, and wallets

● Bonus vouchers of up to 25,000 IndiGo BluChips annually on reaching spend milestones

● Annual renewal bonus vouchers of 5,000 IndiGo BluChips and a complimentary meal voucher

3. One-time exclusive perks

● Postcard Hotel stay voucher worth ₹3,000

● Three-month EazyDiner Prime membership

4. Extra perks

● Low forex markup of 1.49% and travel insurance coverage

● Trip cancellation protection worth ₹25,000 (up to twice a year)

Together, these IndiGo credit card offers ensure customers enjoy meaningful rewards both in the air and on everyday purchases.

Start making every journey count

Travel becomes far more rewarding when every purchase contributes to future journeys. The IndiGo IDFC FIRST Dual Credit Card brings this idea to life, combining co-branded perks with easy application routes that suit different customer profiles.

For frequent travellers, this IndiGo credit card offers a balanced mix of IndiGo BluChips rewards , milestone benefits, and exclusive perks, making it one of the most flexible choices for both seasoned flyers and first-time credit customers.

Explore the IndiGo IDFC FIRST Dual Credit Card today to unlock travel rewards and exclusive benefits.

Frequently Asked Questions

Can I apply without income proof?

Yes, you can. The IndiGo IDFC FIRST Dual Credit Card allows an FD-backed application route where no income documents are required. By opening an FD of at least ₹1 lakh, customers can access all card features without submitting salary slips or financial proof.

What is the credit limit?

For unsecured applications, the limit is decided based on your income and credit profile. With the secured option, the credit limit is directly linked to the FD amount, with ₹1 lakh as the minimum required FD.

What happens to my FD if I close my card?

If you applied through the FD-backed route and want to close your card, the pledged FD is released after clearing all outstanding dues.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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