What’s better for you: A fixed deposit-backed credit card or an unsecured travel card?

You've done your homework. The IndiGo IDFC FIRST Credit Card ticks nearly every box for a solid travel companion. But as you're about to apply, you stumble on a fork in the road: do you go for the secured version or the unsecured one? It’s not a trick question - it’s a strategic choice.

This is where your credit journey matters. Whether you're building your score with a fixed deposit-backed credit card or are ready for the next step with a traditional one, knowing the difference between a secured vs unsecured credit card helps you choose smarter and travel better.

Let’s break down how the two versions differ and, more importantly, which one fits your travel goals best.

Secured vs unsecured credit cards: What’s the difference?
 

A secured credit card, also called a fixed deposit-backed credit card , is issued against the funds in your deposit - in this case, a minimum of ₹1 lakh with IDFC FIRST Bank. The unsecured variant skips this step and is approved based on your credit score and income eligibility.

So, who qualifies for which card?

1. Secured IndiGo IDFC FIRST Credit Card
 

This card is ideal for individuals with low or no credit history, such as freelancers or those without income proof. You deposit the funds upfront, and this acts as collateral that decides the credit limit for your card. You don’t need to pay the joining fee if you take this route.

2. Unsecured IndiGo IDFC FIRST Credit Card
 

The unsecured IndiGo IDFC FIRST Credit Card works best if you have a steady income and a decent credit score. You don’t need to pledge any collateral; approval is purely based on your financial eligibility.

Both cards have an annual fee of ₹4,999 (plus taxes), but only the unsecured one charges a joining fee of the same amount. The application process is fairly simple and nearly identical, except that the secured variant needs an additional step of opening a fixed deposit with IDFC FIRST Bank.

Same rewards, same perks, but with one exception
 

Regardless of whether you choose the fixed deposit-backed credit card or its unsecured variant, both offer the same rewarding experience. With either card, you can rack up IndiGo BluChips across different spend categories. Here’s how:

1. Up to 22 IndiGo BluChips for every ₹100 spent on the IndiGo website and app: 6 from the card and up to 16 from the IndiGo BluChips program benefits based on tiers
2. 3 IndiGo BluChips for every ₹100 spent on other expenses
3. 0.5 IndiGo BluChips for every ₹100 spent on utilities, fuel, insurance, rent, and wallets

Both variants also unlock milestone benefits, such as bonus vouchers for up to 25,000 IndiGo BluChips annually and travel protection features like air accident cover and flight cancellation reimbursement.

The only real difference? A welcome benefit of 5,000 IndiGo BluChips and a meal voucher with the unsecured version. While the fixed deposit-backed credit card skips this kickstart, it still gives you the same milestone rewards, renewal benefits, and travel perks going forward.

Who should opt for the fixed deposit-backed credit card?
 

The secured IndiGo IDFC FIRST Credit Card is perfect for you if:

1. You’re new to credit cards
 

It’s an ideal credit card for those without income proof, helping you start your credit journey with ease.

2. You want more control over credit
 

Backing your credit card with a fixed deposit gives you natural credit control, helping you limit spending while enjoying card benefits.

3. You’re rebuilding your credit score
 

This card helps you re-enter the credit ecosystem without added risk.

You also continue to earn returns on your fixed deposit while enjoying rewards, making it a smart dual-purpose tool.

When is the unsecured card a better choice?
 

The unsecured IndiGo IDFC FIRST Credit Card makes more sense if you:

1. Have a good credit history
 

With a healthy score, you qualify for approval without any collateral.

2. Have regular income and documents
 

This card is designed for those comfortable meeting standard eligibility norms.

3. Want to enjoy the welcome bonus
 

If you're eligible, you get additional IndiGo BluChips, a meal voucher, and more from day one.

In both cases, the end result remains the same: you enjoy rich travel perks every time you swipe.

Unmatched travel perks, no matter which card you choose
 

No matter where you are in your credit journey, both versions of the IndiGo IDFC FIRST Credit Card are built to take you further, literally and financially. With generous rewards, travel protection, and the power of two networks , you’re getting real value either way.

Here's what sets them apart and makes every journey rewarding:

1. Rewards on spend-based IndiGo BluChips
2. Redemption flexibility across all IndiGo 6E flights
3. Low 1.49% forex markup, making every international trip lighter on your wallet
4. 5,000 IndiGo BluChips and a meal voucher every year on successful card renewal
5. The power of two networks (Mastercard and RuPay) that allow you to use your card globally while paying locally with UPI
6. Comprehensive travel insurance of USD 1200, Air Accident Cover of ₹1 crore, Personal Accident Cover of ₹10 lakhs, and Lost Card Liability cover worth ₹50,000
7. Cancel For Any Reason (CFAR) insurance of up to ₹25,000 on two claims a year
8. Apply easily online for both the unsecured card and the fixed deposit-backed credit card, based on your eligibility
9. Trust a brand with global recognition - IDFC FIRST Bank has been ranked among the World’s Best Banks 2025 by Forbes and Statista

So, whether you’re a frequent flyer or a holiday planner, this card turns every expense into your next flight.

Ready to apply? Learn how to choose with confidence
 

You’ve seen how both variants stack up on rewards and travel perks. Now, it's time to pick the one that fits your credit journey best - whether that’s a traditional unsecured card or a fixed deposit-backed credit card.

Here’s a quick checklist to help you figure out which version suits you best:

1. Check your credit score to see where you stand
2. Decide if you're comfortable parking funds in a fixed deposit for approval
3. Think about whether the welcome bonus matters to you
4. Keep your KYC documents handy for a quick application
5. Pick the variant that aligns with your current credit profile and goals

No matter which card you choose, you’re unlocking the same powerful travel rewards - just through the path that suits you best.

Whether you're just starting your credit journey or looking to maximise your rewards, the IndiGo IDFC FIRST Credit Card makes it easy to turn every spend into your next trip. Apply now and take the first step towards smarter, more rewarding travel.