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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:
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.
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?
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)
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 |
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.
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.
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.
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.