IDFC
IDFC FIRST Dual Indigo Credit Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn Up To 22 IndiGo BluChips Per ₹100
On IndiGo Flight Bookings 6 as card benefit, 8 as BluChip member bonus, 4 as channel bonus on IndiGo app/website, and up to 4 as tier bonus
Earn 3 IndiGo BluChips per ₹100
on All Other Spends redeemable against IndiGo flight bookings via your IndiGo BluChip account
Best For
Shopping
Travel
Utility Bills
UPI
The IDFC FIRST Dual Indigo Credit Card is a travel-focused credit card built specifically for frequen...
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The IDFC FIRST Dual Indigo Credit Card is a travel-focused credit card built specifically for frequen...
The IDFC FIRST Dual Indigo Credit Card is a travel-focused credit card built specifically for frequent flyers who want to earn significant returns on their daily spending. Issued on both Mastercard and RuPay networks, this card allows you to accumulate IndiGo BluChips on your regular purchases, which you can later use to book free flights. What makes this card stand out is its dual-network flexibility, allowing you to use it globally for international trips while also linking the RuPay variant to your UPI apps for everyday merchant payments.
If you have a monthly income of Rs. 1,00,000 and travel frequently via IndiGo airlines, this card offers a straightforward path to travel savings. You get the convenience of a 1.49% low forex markup for your international travels and access to a UPI-enabled RuPay network that works at over 60 million merchants across India. The standard joining fee is Rs. 4,999, and the potential to earn flight vouchers and complimentary insurance cover makes it a strong choice for brand-loyal travelers.
View FAQ
Commonly Asked Questions
Is the IDFC FIRST Dual Indigo Credit Card lifetime free?
No, the standard version of this card comes with a Rs. 4,999 joining fee and a Rs. 4,999 annual fee. However, you can opt for a Fixed Deposit-backed secured version which comes with no joining fee.
Is this a good credit card for daily use?
Yes, because it is available on the RuPay network, you can link it to your UPI apps. This allows you to earn IndiGo BluChips even on small daily purchases at local shops, maximizing your travel rewards.
Who should apply for this card?
This card is ideal for individuals aged 21 to 65 with a monthly income of Rs. 1,00,000 who fly frequently with IndiGo and want a card that handles both international expenses and domestic UPI payments.
Can I use this card internationally?
Yes, the card offers global acceptance for international transactions and features a specialized low forex markup benefit of 1.49%, making it cost-effective for purchases made abroad.
Expert Review
In analyzing travel credit cards, the IDFC FIRST Dual Indigo Credit Card provides a effective solution for earning airline miles on small daily transactions. By offering a RuPay variant that connects directly to UPI, it turns your daily chai and grocery payments into IndiGo flights. This is a significant advantage over traditional Visa or Mastercard travel cards that sit unused in your physical wallet for small spends.
However, the card is not without its flaws. The lack of an annual fee waiver is a significant drawback. A Rs. 4,999 (or even Rs. 2,000) recurring fee with no spend-based escape clause requires you to fly IndiGo constantly to maximize the card's value. Furthermore, a 45% p.a. interest rate means this card requires disciplined management to clear your full bill every month.
Verdict: Get this card if your monthly income exceeds Rs. 1 Lakh, you fly IndiGo multiple times a year, and you want to use UPI transactions for travel rewards. Skip it if you are looking for straightforward statement cashback or if you prefer waivable annual fees.
Joining / Annual Fee
Joining Fees
₹5,899 ( ₹4999 + GST )
Annual Fees
₹5,899 ( ₹4999 + GST )
Understanding the cost of holding the IDFC FIRST Dual Indigo Credit Card is crucial for evaluating it...
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Understanding the cost of holding the IDFC FIRST Dual Indigo Credit Card is crucial for evaluating it...
Understanding the cost of holding the IDFC FIRST Dual Indigo Credit Card is crucial for evaluating its true value. The standard fee structure for this card involves a Rs. 4,999 joining fee and a subsequent Rs. 4,999 annual fee. However, the bank also provides flexible variant pricing and secured options to lower this barrier.
Under the welcome benefits program, you receive the plastic variant at a discounted rate. In this scenario, the joining fee drops to Rs. 4,000 plus GST. When it comes time to renew the card in the second year, the annual fee is charged at a reduced rate of Rs. 2,000 plus GST, rather than the standard Rs. 4,999. If you want to bypass these fees entirely, the FD-backed secured version of the card charges zero joining fee.
There is no spend-based waiver available for the annual fee. This means regardless of whether you spend Rs. 50,000 or Rs. 10 Lakhs in a year, you must pay the applicable renewal fee. You should evaluate if the BluChips earned and the flight vouchers received outweigh the cost of the Rs. 2,000 or Rs. 4,999 annual fee.
View FAQ
Commonly Asked Questions
What is the standard joining fee for this card?
The standard joining fee is Rs. 4,999, which reduces to Rs. 4,000 for the plastic variant under welcome benefits.
What is the annual or renewal fee?
The standard annual fee is Rs. 4,999, but you are only charged Rs. 2,000 from the second year onwards based on the welcome benefits structure.
Can the joining fee be waived?
The joining fee is mandatory on the standard card, but you can avoid it entirely by choosing the FD-backed secured version of the credit card.
Is there an annual fee waiver option based on spending?
No, there is no spend-based annual fee waiver available for this card. The renewal fee is payable every year regardless of usage.
Are taxes included in the fee amounts?
No, the stated amounts of Rs. 4,000 or Rs. 4,999 are exclusive of taxes. Standard Goods and Services Tax (GST) is added to the final billed amount.
When is the annual fee charged to my account?
The annual renewal fee is charged to your credit card statement at the end of every 12-month membership cycle.
Do I have to pay the annual fee if I cancel the card?
If you cancel the card before the anniversary date, you are not charged the upcoming year's annual fee.
Does the FD-backed card charge an annual fee?
The FD-backed card is offered as a lifetime free credit card with zero joining and zero annual fees.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
12LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Securing the IDFC FIRST Dual Indigo Credit Card requires meeting specific age, income, and credit sco...
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Securing the IDFC FIRST Dual Indigo Credit Card requires meeting specific age, income, and credit sco...
Securing the IDFC FIRST Dual Indigo Credit Card requires meeting specific age, income, and credit score parameters. The bank accepts applications from both salaried professionals and self-employed individuals, ensuring a wide net for potential applicants.
To apply, the primary cardholder must be between the ages of 21 and 65 years. The financial requirements are uniform regardless of your employment type. You must have a minimum monthly income of Rs. 1,00,000, which translates to an annual income of Rs. 12 lakhs. For instance, if you are a salaried employee taking home Rs. 1.1 lakhs a month, or a business owner whose filed income tax returns reflect an annual profit of Rs. 15 lakhs, you meet the income criteria.
In addition to income, your credit history plays a vital role. The bank requires a minimum CRIF credit score of 720. This indicates you have a responsible history of repaying past loans or credit cards. A score of 720 or above shows the bank you are a reliable borrower, speeding up the approval process.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old to be eligible for this credit card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 65 years at the time of submitting your application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 1,00,000 to qualify, which equates to an annual income of Rs. 12 lakhs.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 12 lakhs to be eligible.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals can apply as long as they meet the respective age and Rs. 12 lakh annual income requirements.
What credit score (CRIF/CIBIL) is needed for approval?
A minimum CRIF credit score of 720 is required by the bank for a successful application.
Will my application be rejected if my credit score is below 720?
Having a score below 720 significantly increases the chances of rejection, as the bank mandates this as the minimum threshold for both salaried and self-employed applicants.
Do I need to submit income proof to apply?
Yes, you need to provide salary slips or bank statements if salaried, or Income Tax Returns (ITR) if self-employed, proving your Rs. 12 lakh annual income.
Is this card available to non-residents?
NRIs are eligible to apply for this card by providing their NRE/NRO account details and proof of income.
Can I get the card if I don't meet the income criteria?
If you do not meet the Rs. 1,00,000 monthly income requirement, you can obtain the FD-backed secured version of the card by opening a fixed deposit with the bank.
All Card Benefits
- Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flight bookings via IndiGo website and app
- Up to 25,000 bonus IndiGo BluChips annually through milestone spends at ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L
- 5,000 IndiGo BluChips voucher and 6E Eats meal voucher on joining and renewal
- Trip cancellation cover up to ₹25,000 per year on non-refundable flights and hotels
- 1.49% forex markup on international transactions
Welcome Benefits
Starting your journey with the IDFC FIRST Dual Indigo Credit Card comes with spec...
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Welcome Benefits Starting your journey with the IDFC FIRST Dual Indigo Credit Card comes with spec...
Welcome Benefits
Starting your journey with the IDFC FIRST Dual Indigo Credit Card comes with specific introductory pricing advantages. The standard base fee is Rs. 4,999, but the welcome benefit structure offers a discounted Rs. 4,000 joining fee for the plastic variant. From the second year onwards, this reduces to a Rs. 2,000 annual fee. If you prefer not to pay a joining fee at all, you have the option to open an FD-backed secured version of the card, which waives the initial joining cost completely.
For example, if you opt for the standard plastic card, you will pay Rs. 4,000 plus GST upfront. If you choose the FD-backed route with a Rs. 50,000 fixed deposit, you save that initial Rs. 4,000 fee and immediately start enjoying the card's features.
Reward Points Structure
The core philosophy of this card is to turn your daily expenses into free flights. You earn IndiGo BluChips on every eligible spend you make. Whether you are buying groceries via UPI on the RuPay network or paying for international hotels on the Mastercard network, you continuously build your travel balance.
You earn 6 BluChips for every Rs. 100 spent on IndiGo bookings and 2 BluChips per Rs. 100 on all other eligible retail spends. The true value lies in how you can accumulate these points effortlessly across over 60 million UPI merchants. Every time you scan a QR code and pay with your linked RuPay credit card, you get one step closer to your next vacation.
Flight and Travel Perks
Since this is an airline co-branded card, the travel perks are highly specific to IndiGo. You can directly redeem all your accumulated IndiGo BluChips for free flights through the IndiGo website. The card also features a massive milestone benefit: when you spend Rs. 2,00,000 in a year, you receive vouchers worth 25,000 IndiGo BluChips.
If you spend enough to hit that milestone, you gain a massive travel budget. With 1 BluChip equaling Rs. 0.25, a 25,000 BluChip voucher represents Rs. 6,250 in free flights. Furthermore, when you travel abroad, you benefit from a reduced forex markup of just 1.49% for international transactions. If you spend Rs. 1,00,000 on hotels in Dubai, a standard 3.5% markup would cost you Rs. 3,500, but with the 1.49% benefit, you only pay Rs. 1,490, saving you Rs. 2,010 instantly.
Railway Benefits
Travelers who mix flights with train journeys will appreciate the card's specific railway perks. You get a complete waiver on the passenger railway transaction fee for spends up to Rs. 25,000 per statement cycle.
If you book Rs. 10,000 worth of train tickets online in a month, a standard 1.80% surcharge would cost you an extra Rs. 180. With this benefit, that transaction fee is waived completely, leaving more money in your pocket.
Fuel Benefits
Daily commuters receive standard relief at the fuel pump. The card provides a 1% fuel surcharge waiver on transactions ranging strictly between Rs. 200 and Rs. 5,000.
For example, if you fill up your tank for Rs. 2,000, the 1% surcharge of Rs. 20 is waived. However, if you purchase Rs. 150 worth of fuel for a two-wheeler, or Rs. 6,000 for a large SUV, the waiver will not apply to those transactions.
Insurance Protection
Safety is built into the card from day one. Cardholders receive complimentary insurance cover available from the card setup date. To activate and ensure this cover is valid, you must complete a nominee update via the bank's online portal.
View FAQ
Commonly Asked Questions
How do I qualify for the FD-backed welcome benefit?
You need to open a fixed deposit with IDFC FIRST Bank. The bank will issue the secured version of the credit card against this FD, and you will not be charged any joining fee.
Does the welcome pricing apply to the annual fee too?
Yes, according to the welcome benefits, while the joining fee is Rs. 4,000, your annual fee from the second year drops to Rs. 2,000 instead of the standard Rs. 4,999 rate.
Do I get bonus BluChips as a welcome gift?
The card provides 5,000 bonus BluChips as a welcome gift upon making your first transaction within 30 days of card issuance.
Is the secured version different from the regular version?
The secured version offers the same core benefits, such as earning IndiGo BluChips, but it uses your fixed deposit as collateral, which makes it easier to get approved and removes the joining fee.
What is the standard reward rate on this card?
You earn up to 6 IndiGo BluChips per Rs. 100 on airline spends and 2 BluChips per Rs. 100 on other daily card spends.
Can I earn rewards on UPI payments?
Yes, if you hold the RuPay variant of the card, you can link it to your UPI apps and earn IndiGo BluChips on payments made across 60 million plus merchants.
How do I calculate the value of a BluChip?
Each BluChip is valued at Rs. 0.25 when redeemed for flight bookings through the IndiGo redemption catalog.
Which transactions are excluded from earning BluChips?
Reward exclusions include cash withdrawals, fee payments, wallet top-ups, and EMI conversions.
Do I earn rewards on international spending?
Yes, the card offers global acceptance, allowing you to earn BluChips on both domestic and international transactions.
Is there a cap on how many BluChips I can earn monthly?
There is no maximum monthly limit on the amount of IndiGo BluChips you can earn through regular spends.
Do I earn points on fuel purchases?
Fuel transactions are excluded from reward point earnings but qualify for the 1% fuel surcharge waiver benefit.
Do I earn points on rent payments?
Rent payments do not earn reward points and are subject to a 1% processing fee.
How do I earn the 25,000 IndiGo BluChips vouchers?
You earn these vouchers by achieving an annual spend milestone of Rs. 2,00,000 on your card.
What can I do with 25,000 BluChips?
You can redeem these BluChips directly on the IndiGo website to book domestic or international flights, covering part or all of your ticket cost.
How does the low forex markup benefit work?
When you use the card for international POS payments, you are charged a reduced forex markup of 1.49% instead of standard higher rates, saving you money on every foreign purchase.
Does this card offer complimentary airport lounge access?
No, this specific credit card does not offer any benefits in the airport lounge category.
Is there a limit to the railway transaction fee waiver?
Yes, the fee waiver applies only to passenger railway spends up to Rs. 25,000 per statement cycle. Spends beyond this attract the standard surcharge.
Does the waiver apply to both online and offline bookings?
The benefit covers passenger railway transaction fees for both IRCTC web bookings and physical counter bookings.
Do I get railway lounge access with this card?
No, this card does not offer any benefits in the railway lounge category.
What happens if I spend Rs. 30,000 on railway tickets in a month?
You receive the transaction fee waiver on the first Rs. 25,000. For the remaining Rs. 5,000, standard booking surcharges apply.
What is the minimum fuel purchase required for the waiver?
You must swipe your card for at least Rs. 200 at the fuel station to qualify for the 1% surcharge waiver.
What is the maximum transaction amount for the fuel waiver?
The fuel surcharge waiver only applies to transactions up to a maximum of Rs. 5,000.
Is there a monthly cap on how much fuel surcharge is waived?
The maximum fuel surcharge waiver is capped at Rs. 200 per statement cycle.
Does this waiver apply to all petrol pumps in India?
Yes, the 1% fuel surcharge waiver applies across all authorized fuel stations in India, regardless of the brand.
When does the insurance cover start?
The complimentary insurance coverage becomes available from the exact date your credit card account is set up.
How do I activate the insurance benefit?
You must log into the bank portal and complete the nominee update process to ensure the insurance coverage is fully active and assigned correctly.
What type of insurance cover is provided?
The card provides Personal Accident Insurance cover of Rs. 2,00,000 and Lost Card Liability/Credit Shield coverage.
Is there an extra fee for this insurance?
No, the insurance cover is complimentary as part of your card benefits, provided you complete the required nominee registration.
Milestone Benefits
5000 reward points(Worth ~ ₹1,000)
Spend ₹2,00,000 in 365 days
5000 reward points(Worth ~ ₹1,000)
Spend ₹5,00,000 in 365 days
5000 reward points(Worth ~ ₹1,000)
Spend ₹8,00,000 in 365 days
5000 reward points(Worth ~ ₹1,000)
Spend ₹10,00,000 in 365 days
5000 reward points(Worth ~ ₹1,000)
Spend ₹12,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 IndiGo BluChip = ₹0.50
Redemption Options
- IndiGo flight bookings
- Vouchers
To check redemption catalogue
The redemption process for the IDFC FIRST Dual Indigo Credit Card is highly streamlined because it is...
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The redemption process for the IDFC FIRST Dual Indigo Credit Card is highly streamlined because it is...
The redemption process for the IDFC FIRST Dual Indigo Credit Card is highly streamlined because it is tied directly to a single airline partner. All the reward points you earn are accumulated in the form of IndiGo BluChips. Unlike generic cashback cards that credit your statement, you must redeem these chips through the official catalog portal located at https://www.goindigo.in/.
To use your rewards, you simply log into your IndiGo account linked to your credit card. When you search for a flight booking, you will have the option to pay using your accumulated BluChips. For example, if you have earned 5,000 BluChips and want to book a flight from Delhi to Mumbai costing Rs. 6,000, you can apply your BluChips at the checkout stage to reduce the cash amount you have to pay. There is no fee charged when redeeming reward points on this card, meaning you get the full value of your hard-earned chips.
View FAQ
Commonly Asked Questions
Where do I go to redeem my reward points?
You must visit the official IndiGo website at https://www.goindigo.in/ to redeem your accumulated BluChips.
Is there a fee for redeeming my rewards?
No, there is absolutely no reward redemption fee charged on this card. You keep 100% of the value of your points.
Can I convert my BluChips into direct statement cashback?
No, IndiGo BluChips can only be used for flight bookings and travel benefits through the IndiGo portal and cannot be converted into statement credit.
How long does it take for earned BluChips to reflect in my account?
Earned BluChips are transferred to your linked airline loyalty account within 30 to 45 days after each billing cycle.
Can I use BluChips to book flights for my family members?
Yes, IndiGo allows you to use your BluChips to book tickets for family and friends through your member account.
Do my IndiGo BluChips expire?
IndiGo BluChips remain valid for 24 months from the date they are credited to your account.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
EMI Transactions
Cash Advances
For Spends Waiver
EMI Transactions
Cash Advances
While the IDFC FIRST Dual Indigo Credit Card is designed to reward your daily and travel spending, ba...
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While the IDFC FIRST Dual Indigo Credit Card is designed to reward your daily and travel spending, ba...
While the IDFC FIRST Dual Indigo Credit Card is designed to reward your daily and travel spending, banks restrict certain types of transactions from earning rewards to prevent misuse. Specific exclusions apply to high-risk or low-margin categories like government payments and insurance premiums.
Standard industry exclusions apply. For example, if you pay Rs. 20,000 for your monthly house rent using this card, you incur a 1% rent payment fee (Rs. 200) without earning any IndiGo BluChips in return. Similarly, loading Rs. 5,000 into a digital wallet or paying utility bills yields zero reward points. You should check the bank's official schedule of charges for the most up-to-date exclusion list.
View FAQ
Commonly Asked Questions
Which transactions do not earn IndiGo BluChips?
Exclusions include rent payments, wallet loads, cash withdrawals, EMI transactions, insurance premiums, and government payments.
Does paying rent with this card earn reward points?
No, rent payments do not earn rewards and attract a 1% processing fee on this card.
Are wallet top-ups excluded from earning rewards?
Yes, loading money into digital wallets like Paytm or Amazon Pay is excluded from earning credit card rewards.
Do I earn rewards when I convert a purchase into an EMI?
No, the original purchase amount does not earn rewards once it is converted into an EMI plan.
Are fuel transactions excluded from rewards?
Fuel spends are excluded from earning standard reward points but qualify for the 1% surcharge waiver.
What happens if I make a payment in an excluded category?
The transaction will process successfully and draw from your credit limit, but it will not generate any IndiGo BluChips for your account.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 1.49% |
APR Fees Finance charges of 0.71% to 3.85% per month (8.52% to 46.20% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM withdrawal A flat fee of ₹199 is charged per cash advance transaction using the credit card | ₹199 |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. IndiGo BluChips are redeemable against IndiGo flight bookings via the IndiGo BluChip account | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to a minimum of ₹249 per transaction | 1% |
cheque Payment Fees No fee is charged for outstation cheque processing | Not Applicable |
Cash Payment Fees No fee is charged for payments made by depositing cash at IDFC FIRST Bank branches | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹5,000 | ₹750 |
| ₹5,001 – ₹8,000 | ₹1,200 |
| ₹8,001 – ₹10,000 | ₹1,300 |
| Above ₹10,000 | ₹1,300 |
Managing a credit card responsibly requires a clear understanding of all associated costs. The IDFC F...
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Managing a credit card responsibly requires a clear understanding of all associated costs. The IDFC F...
Managing a credit card responsibly requires a clear understanding of all associated costs. The IDFC FIRST Dual Indigo Credit Card has a distinct fee structure, balancing standard industry charges with unique pricing benefits. Below is a detailed breakdown of every fee you might encounter while using this card.
Joining Fee: The standard joining fee for this card is Rs. 4,999. However, the bank offers welcome pricing for the plastic variant that reduces this to Rs. 4,000. If you choose to open an FD-backed secured version, the joining fee is completely waived. For example, getting the standard card will cost you Rs. 4,999 plus GST on your first statement.
Annual Fee: From the second year onwards, a standard renewal fee of Rs. 4,999 applies. Based on the welcome benefits, this reduces to Rs. 2,000. There is no spend-based waiver available. If you hold the card for two years under standard terms, you will be billed Rs. 4,999 plus GST on your anniversary date.
Interest Rate (APR): If you do not pay your full statement balance by the due date, a monthly interest rate of 3.75% (45% p.a.) is charged on the unpaid amount, effective June 1, 2025. For example, if you carry over a balance of Rs. 10,000 to the next month, you will be charged Rs. 375 in interest for that month, plus applicable taxes, until the balance is completely cleared.
Late Payment Charges: If you fail to make even the minimum payment by the due date, a penalty is applied based on your outstanding balance. The slabs are: Rs. 0 for balances up to Rs. 100; Rs. 100 for Rs. 101-500; Rs. 500 for Rs. 501-5,000; Rs. 600 for Rs. 5,001-10,000; Rs. 800 for Rs. 10,001-25,000; Rs. 1,000 for Rs. 25,001-50,000; and Rs. 1,200 for balances above Rs. 50,000. For instance, missing a payment on a Rs. 8,000 bill results in a late fee of Rs. 600.
Forex Markup Fee: The standard forex markup charged on transactions made in foreign currencies is 3.5%. While the card offers a 1.49% benefit in its features, the core fee schedule notes 3.5%. At the 3.5% rate, spending USD 1,000 (roughly Rs. 83,000) abroad results in an extra Rs. 2,905 added to your bill as a forex fee.
ATM Cash Withdrawal Fee: Withdrawing cash from an ATM using your credit card incurs a fee of 2.5% of the withdrawn amount, subject to a minimum charge of Rs. 500. If you withdraw Rs. 10,000 in an emergency, you will be charged a Rs. 500 fee upfront, plus the cash advance interest that begins accruing immediately.
Rent Payment Fee: Using your credit card to pay monthly housing rent attracts a 1% processing fee on the transaction amount. For example, if your monthly rent is Rs. 25,000, the bank will charge an additional Rs. 250 as a convenience fee, plus GST and any platform charges.
Railway Surcharge: Booking train tickets incurs a railway surcharge of 1.80% for online transactions and 2.50% for other bookings. However, the card benefit waives this fee for passenger railway spends up to Rs. 25,000 per statement cycle. If you book Rs. 30,000 online, the first Rs. 25,000 is waived, but the remaining Rs. 5,000 incurs the 1.80% charge, costing you Rs. 90.
Cash Payment Fee: If you walk into an IDFC FIRST Bank branch and pay your credit card bill using physical cash, a processing fee of Rs. 100 is added to your next statement. To avoid this, pay your bill online via net banking or UPI.
Cheque Payment Fee: Unlike cash payments, there is no fee charged if you pay your credit card bill by dropping a cheque. This service is free of charge.
Reward Redemption Fee: There is no fee charged when redeeming your reward points (IndiGo BluChips) on this card. If you redeem 10,000 chips for a flight, you get the full value without any processing fees.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 4,999 (Rs. 4,000 via welcome benefit / Rs. 0 for FD version) |
| Annual Fee | Rs. 4,999 (Rs. 2,000 via welcome benefit) |
| Annual Fee Waiver | Not Available |
| Interest Rate (APR) | 3.75% per month (45% p.a.) w.e.f June 1, 2025 |
| Late Payment Fee | Rs. 0 to Rs. 1,200 based on outstanding balance slabs |
| Forex Markup | 3.5% standard (1.49% benefit rate applies to travel spends) |
| ATM Withdrawal Fee | 2.5% of amount (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.80% online / 2.50% offline (Waived up to Rs. 25,000/month) |
| Cash Payment Fee | Rs. 100 per transaction |
| Cheque Payment Fee | Nil |
| Reward Redemption Fee | Not Applicable |
View FAQ
Commonly Asked Questions
What is the joining fee for the plastic variant of this card?
The standard fee is Rs. 4,999, but the welcome benefits establish a Rs. 4,000 joining fee for the plastic variant.
Can I avoid the annual fee by spending a certain amount?
No, there is no spend-based annual fee waiver on this card. The renewal fee is payable regardless of your annual expenditure.
What is the interest rate if I only pay the minimum amount due?
You are charged an interest rate of 3.75% per month (45% annually) on the remaining unpaid balance.
How much is the late fee if my bill is Rs. 3,000?
For an outstanding balance between Rs. 501 and Rs. 5,000, the late payment penalty is exactly Rs. 500.
How much will I be charged to withdraw Rs. 5,000 from an ATM?
The fee is 2.5% of the withdrawal amount, but since 2.5% of Rs. 5,000 is Rs. 125, the minimum flat charge of Rs. 500 applies.
Does the 3.5% forex markup apply to international online shopping?
Yes, the 3.5% forex markup applies to both international POS physical payments and online purchases charged in foreign currencies.
Should I use this card to pay my monthly rent?
It is not advisable, as you are charged a 1% rent payment fee and do not earn reward points on the transaction.
Is there a penalty if I pay my credit card bill in cash?
Yes, paying your bill in physical cash at a bank branch incurs a Rs. 100 convenience fee.
Will I be charged if I pay my bill by cheque?
No, there is zero fee charged for making your credit card payment via a physical cheque.
How much does it cost to convert my BluChips into flights?
It costs nothing in bank fees. The reward redemption fee on this card is explicitly zero.
Is the 1.80% railway surcharge completely unavoidable?
No, the card offers a benefit that waives this surcharge for passenger railway spends up to Rs. 25,000 per statement cycle.
Does the 45% APR apply to cash withdrawals immediately?
Yes, unlike regular purchases, cash advances attract the 3.75% monthly interest from the day of withdrawal.
Who Should Get This Card?
This card is tailor-made for the modern, tech-savvy traveler. If you fly frequently with IndiGo for business or leisure, and you use UPI for your daily neighborhood shopping, this card bridges those two worlds perfectly. The RuPay variant ensures that every time you scan a QR code for groceries or dining, you are earning your way toward your next flight.
On the flip side, if you are a homebody who rarely takes flights, or you prefer cashback that directly offsets your credit card bill, this is not the card for you. Earning BluChips is ineffective if you do not fly. Additionally, if your monthly income is strictly below Rs. 1,00,000 and you don't want to tie up funds in a fixed deposit, you will not meet the eligibility requirements.
Credit Limit and What to Expect
Your credit limit on the IDFC FIRST Dual Indigo Credit Card is determined by your Rs. 1,00,000 monthly income and your 720+ CRIF score. Strong financials result in a generous credit line capable of supporting both large international travel bookings and daily UPI transactions.
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Commonly Asked Questions
What will be my starting credit limit?
Starting credit limits typically range from Rs. 1,00,000 to Rs. 5,00,000 based on your income, existing debt, and credit score.
Does the FD-backed card have a different limit rule?
Yes, for the secured variant, your credit limit is 90% of your total fixed deposit amount.
Can I request a limit increase later?
Yes, after consistently using the card and paying bills on time for 6-12 months, you can request a credit limit enhancement through the bank's mobile app.
Does linking to UPI affect my credit limit?
No, all your UPI transactions made via the RuPay network draw from the same single unified credit limit assigned to your account.
What happens if I exceed my assigned credit limit?
Over-limit transactions attract a fee of 2.5% of the over-limit amount, with a minimum penalty of Rs. 500.
Is my international limit separate from my domestic limit?
No, your international transactions share the same overall credit limit, though you can use the bank's app to set specific daily caps on international usage for safety.
How to Apply?
Applying for the IDFC FIRST Dual Indigo Credit Card is a fully digital process designed for modern convenience. You can visit the bank's official website or utilize partnered financial platforms to begin your application. You will need to provide your PAN details, Aadhaar number, and employment information.
To ensure a smooth approval, you will undergo a Video KYC (VKYC) process. During this quick video call with a bank executive, you must present your original PAN card and be located within 50 kilometers of your registered address. A minimum transaction of Rs. 100 within 30 days is required to fully activate the card after approval; otherwise, you won't be eligible for the rewards program.
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Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official IDFC FIRST Bank website or through secure partner platforms.
Is Video KYC mandatory for application?
Yes, Video KYC is a standard requirement to verify your identity digitally without needing to visit a physical bank branch.
Are there location limits during the Video KYC call?
Yes, you must be physically located within 50 kilometers of your registered residential address when conducting the Video KYC call.
What documents do I need during the video call?
You must have your original physical PAN card handy, a blank piece of paper, and a pen to provide a live signature for the bank executive.
How long does approval take after applying?
Digital applications with successful VKYC are processed and the card is delivered within 7 to 10 working days.
How do I activate the card once received?
To fully activate the card and your eligibility for rewards, you must complete a minimum transaction of Rs. 100 within 30 days of receiving the card.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn Up To 22 IndiGo BluChips Per ₹100
On IndiGo Flight Bookings 6 as card benefit, 8 as BluChip member bonus, 4 as channel bonus on IndiGo app/website, and up to 4 as tier bonus
Earn 3 IndiGo BluChips per ₹100
on All Other Spends redeemable against IndiGo flight bookings via your IndiGo BluChip account
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