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Secured vs. unsecured IndiGo IDFC FIRST Credit Card: Which one's best for you?

Key Takeaways

  • Key Takeaway ImageThe IndiGo IDFC FIRST Credit Card is available in secured and unsecured variants — both offer the same reward structure and similar benefits.
  • Key Takeaway ImageWhile both options offer the ability to earn and redeem BluChips on IndiGo flights, some differences exist between their eligibility and joining benefits.
  • Key Takeaway ImageThe unsecured variant is available to eligible users for a joining and annual fee of ₹4,999 + taxes, while the secured variant is available to everyone with a minimum fixed deposit of ₹1 lakh and annual fee of ₹4,999 + taxes.
  • Key Takeaway ImageA fixed deposit credit card is ideal if you have a low credit score or do not have an income proof.
26 Aug 2025 by Team FinFIRST
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You've done your homework. The IndiGo IDFC FIRST Credit Card is packed with travel benefits and best suits your needs. But before applying, you need to choose between the two versions:

  • Secured card (against a fixed deposit) with no joining fee
  • Unsecured card (based on your income and credit score) with a joining fee

Both cards offer the same features and rewards, but the way you qualify for them is different. Let’s help you decide which one works better for you.

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What is the difference between secured and unsecured credit cards?
 

A secured credit card, also called a fixed deposit-backed credit card, is issued against the funds in your deposit. If you wish to apply for the IndiGo IDFC FIRST Dual Credit Card via the FD route, you’ll need a minimum FD of ₹1 lakh with IDFC FIRST Bank.

An unsecured credit card does not require any deposit. It’s approved based on your credit score, income, and documents.

So, who qualifies for which card?

Secured IndiGo IDFC FIRST Credit Card: Who is it for?
 

Choose the secured card if:
 

  1. You are new to credit or don’t have income proof
  2. You are a freelancer or self-employed without a steady income
  3. You want to build or rebuild your credit score

Benefits of choosing this version:
 

  1. No joining fee
  2. Credit limit based on your deposit
  3. Your fixed deposit continues to earn interest
  4. Access to the same travel perks and rewards as the unsecured version

Unsecured IndiGo IDFC FIRST Credit Card: Who is it for?
 

Choose the unsecured card if:
 

  1. You have a good credit score
  2. You have a regular income and required documents
  3. You want to enjoy the welcome benefits from day one

Benefits of choosing this version:
 

  1. No need to open a fixed deposit
  2. You get vouchers of 5,000 IndiGo BluChips and a complimentary meal voucher as a joining benefit
  3. Same annual fee and rewards as the secured version

What stays the same in both card variants?
 

No matter which one you pick, you get:
 

  1. Up to 22 IndiGo BluChips per spend on IndiGo flights (6 from the card + up to 16 from IndiGo tier benefits)
  2. 3 IndiGo BluChips per ₹100 spent on regular purchases
  3. 0.5 IndiGo BluChips per ₹100 spent on fuel, utilities, insurance, rent, and wallets
  4. Bonus vouchers of up to 25,000 IndiGo BluChips annually on reaching spend milestones
  5. Annual renewal bonus vouchers of 5,000 IndiGo BluChips and a complimentary meal
  6. Travel protection including:

a. ₹1 crore Air Accident Cover

b. ₹10 lakh Personal Accident Cover

c. USD 1,200 travel insurance

d. ₹50,000 Lost Card Liability cover

e. Up to ₹25,000 trip cancellation protection (up to twice a year)

7. Low forex markup of only 1.49% on international spends

8. Dual cards – Mastercard and RuPay (for global and UPI use)

Quick comparison: Secured vs unsecured IndiGo IDFC FIRST Credit Cards
 

 

Feature

Secured Variant

Unsecured Variant

Backed by fixed deposit

Yes (₹1 lakh+)

No

Joining fee

₹0

₹4,999 + taxes

Annual fee

₹4,999 + taxes

₹4,999 + taxes

Welcome benefits

1.       3000 IndiGo BluChips voucher on ₹1 lakh+ spends in the first 90 days.

2.       Exclusive merchant offers

1.       5,000 IndiGo BluChips voucher + 1 complimentary meal voucher

2.       3000 IndiGo BluChips voucher on ₹1 lakh+ spends in the first 90 days.

3.       Exclusive merchant offers

Rewards & perks

Same

Same

Who can apply?

Anyone with FD, no income proof needed

Income and credit score required

 

How to apply for the IndiGo IDFC FIRST Credit Card
 

  1. To apply for the secured card, open an FD of ₹1 lakh or more with IDFC FIRST Bank. Then complete the credit card application with the KYC process
  2. To apply for the unsecured card, check your credit score, keep your income and ID documents ready, and fill out the online form

Both applications are simple, 100% digital, and take only a few minutes to complete. Sign up for the IndiGo BluChip reward program for an even smoother experience.

Frequently Asked Questions

Does the fixed deposit continue to earn interest while linked to the credit card?

Yes, the fixed deposit linked to your credit card continues to earn interest at the applicable rate offered by IDFC FIRST Bank, making it a dual-benefit solution for credit building and savings.

What happens if I miss a payment on the secured or unsecured card?

Missing payments on either the secured or unsecured credit card can impact your credit score and attract interest or penalties. It’s advisable to enable auto-debit or set reminders for timely repayments.

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.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

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