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Flights too expensive? This IndiGo co-branded credit card makes them affordable

26 Aug 2025 by Team FinFIRST
vacation planning
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Planning a trip is exciting until you see how much flights can cost. Airfares often take up the biggest chunk of the budget, forcing you to compromise on hotels, experiences, or even the destination itself.

Enter the IndiGo IDFC FIRST Credit Card. It’s a travel card that rewards your everyday expenses with IndiGo BluChips, redeemable for flights. So instead of squeezing your vacation plans into a tight budget, you can plan smarter and fly for less, or for free. The best part? With both secured and unsecured options available, this travel card is within everyone’s reach!

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Why flights need a smart strategy
 

Flights tend to be an indispensable part of your travel budget, but the least flexible.

  1. Airfares in India have been steadily rising, especially during holidays or weekends
  2. Most low-fare seats get sold out quickly, leaving you with higher slabs
  3. Hotels and activities can be optional or adjusted, but flights are fixed
  4. Even short trips for 2–3 people can cost between ₹15,000 and ₹20,000 or more
  5. Flight costs set the tone for your entire budget — getting them right frees up everything else

Any solution that directly brings those fares down isn’t just helpful; it’s game-changing for how you plan your holiday.

vacation planning

Introducing IndiGo BluChips: The smarter way to save on flights
 

IndiGo BluChips are reward points used to book IndiGo 6E flights. Traditionally, you only earn them by flying.

But with the IndiGo IDFC FIRST Dual Credit Card, you earn IndiGo BluChips without setting foot on a plane. You just need to use the card for your everyday expenses. You can apply for the card by paying a joining fee or by starting a minimum fixed deposit (FD) of ₹1 lakh, making it accessible to even those without a strong credit history.

Here’s how it works:

  1. Earn IndiGo BluChips on all eligible spends, including IndiGo flights, UPI, fuel, utilities, and rent
  2. Use them to book any IndiGo 6E flight, including Economy and Stretch seats (no blackout dates, flexible part-payment options, eligible for both domestic and international flights)
  3. Book for yourself or family/friends

With this card, your regular spending becomes a strategy for cheap flight bookings.

Turn your daily spends into a flight fund
 

Every time you swipe the card, you're earning your next trip. Here's the IndiGo BluChip earn rate:

Spend Category

IndiGo BluChips per ₹100

IndiGo flight bookings (6E site/app)

Up to 22 IndiGo BluChips (6 from the card + up to 16 from IndiGo based on your membership tier)

All other spends (incl. UPI)

3 IndiGo BluChips

Utilities, fuel, rent, wallets, etc.

0.5 IndiGo BluChips

EMI or cash transactions

Not eligible

Your groceries, fuel, OTT subscriptions, and even rent payments now bring you closer to a free flight.

Welcome and renewal benefits
 

The unsecured card variant comes with generous welcome benefits on paying the joining fee:

  1. 5,000 IndiGo BluChips voucher
  2. One complimentary meal voucher
  3. 3000 IndiGo BluChips voucher on ₹1 lakh spends in the first 90 days
  4. Exclusive merchant offers

Even better? On every renewal, both unsecured and secured FD-backed variants offer:

  1. 5,000 IndiGo BluChips voucher
  2. One complimentary meal voucher

Annual milestone bonuses
 

Earn vouchers worth up to 25,000 IndiGo BluChips annually by hitting the following spend milestones:

Annual spend (₹)

Bonus IndiGo BluChips voucher

₹2 lakh

5,000

₹5 lakh

5,000

₹8 lakh

5,000

₹10 lakh

5,000

₹12 lakh

5,000


Note: IndiGo BluChips earned on milestone and welcome/renewal benefits are only valid for 6 months.

Used smartly, this card brings you closer to your next flight, without denting your travel budget.

How to plan a vacation that pays for your next flight
 

Here’s how smart usage of this card turns your regular expenses into flight savings:

1. Start early
 

Use the card for all routine expenses months before your trip—fuel, subscriptions, shopping, groceries, and UPI. This ensures your IndiGo BluChip balance quietly builds up.

2. Book hotels and tours first
 

Spend on hotel bookings or activities first to rack up IndiGo BluChips. Don’t rush into booking flights. You’ll save more if you earn first, then redeem.

3. Time big expenses
 

Plan purchases like electronics, appliances, or insurance premiums around the card’s milestone calendar to earn bonus vouchers of IndiGo BluChips.

4. Book the flight last
 

Once your IndiGo BluChip pool is strong, book your IndiGo flight. Redeem them at checkout with no blackout dates. Stretch seats? Covered.

5. Earn while you travel
 

Use the card on your trip for meals, shopping, and cabs. These spends earn IndiGo BluChips too, setting you up for your next getaway.

vacation planning

Your smartest travel companion: Why this card wins
 

Ready to make your vacation planning pay for itself? With the IndiGo IDFC FIRST Credit Card, you turn spending into flying. It’s not just smarter; it’s seamless.

Here’s why this card stands out:

  1. Earn IndiGo BluChips with every purchase
  2. Use points on any IndiGo 6E flight, anytime
  3. A low 1.49% forex markup makes international trips cheaper
  4. Get travel insurance up to USD 1,200, Air Accident Cover of ₹1 crore, and more.
  5. Get peace of mind with insurance up to ₹25,000 on two non-refundable flight cancellations a year

Your next trip doesn’t have to drain your wallet. Start your vacation planning with the IndiGo IDFC FIRST Credit Card and get ready to take off smarter.

Frequently Asked Questions

Can IndiGo BluChips earned through the IndiGo IDFC FIRST Credit Card be used for any flight?

IndiGo BluChips earned on the card can be redeemed for any IndiGo 6E flight with no blackout dates. You can even use them to book flights for friends or family, making your vacation planning more flexible.

Do milestone IndiGo BluChips and welcome benefits expire?

Yes, milestone bonuses and welcome/renewal vouchers of IndiGo BluChips are valid only for six months. To make the most of them, align your vacation planning to redeem these during peak travel windows.

What kind of expenses help me earn more IndiGo BluChips quickly?

Everyday purchases like groceries, subscriptions, fuel, and even UPI payments earn IndiGo BluChips. Big spends like furniture, gadgets, or annual bills help hit milestone bonuses, accelerating your rewards.

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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