Is the IndiGo IDFC FIRST Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Travel card
- ₹5,899 fee a year (with GST)
- 1.26% on most spends; 2.52% only at partner merchants
- Pays in air miles
- travel only at IndiGo flight bookings on goindigo.in and the IndiGo app: 2.52% back
- spending abroad: 0% markup, most cards add 3.5%
- you spend less than ₹39,500 a month: below that the ₹5,899 fee costs more than the rewards
- you rarely spend on IndiGo flight bookings on goindigo.in and the IndiGo app: the 2.52% rate applies only there, everything else earns 1.26%
Your spend a month, by kind
Terms on the normal rate: 3 IndiGo BluChips per ₹100 on all other eligible spends; cash withdrawals and EMI transactions earn nothing; international purchases earn 1 per ₹100 from 26 Oct 2026 (the INTERNATIONAL row below)
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1.26% | No cap | The card's normal rate | - |
| Online shopping | 1.26% | No cap | The card's normal rate | - |
| Dining and food delivery | 1.26% | No cap | The card's normal rate | - |
| Groceries | 1.26% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1.26% | No cap | Anywhere else in the category | - |
| Travel: flights, hotels, trains, only at listed merchants | 2.52% | No cap | Only at: IndiGo flight bookings on goindigo.in and the IndiGo appTerms: 6 IndiGo BluChips per ₹100 on IndiGo spends, the card's own share of IDFC's "up to 22" headline; the other 16 are IndiGo's own (12 for booking via IndiGo channels, 4 for Blu 1 status) and are earned with any card. We value a BluChip at 42 paisa, matching transfer-data/partners.yml | - |
| Fuel | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on fuel, a reduced rate, not an exclusion | - |
| Bills and recharges | 0.21% | No cap | All merchants in the categoryTerms: 0.5 IndiGo BluChips per ₹100 on utilities, including FASTag, railway and government payments, and on fuel, insurance, rent, wallet loads and UPI spends | - |
| Rent | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on rent, a reduced rate, not an exclusion | - |
| Insurance premiums | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on insurance, a reduced rate, not an exclusion | - |
| School and college fees | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on education payments, a reduced rate, not an exclusion | - |
| Wallet top-ups | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on wallet loads, a reduced rate, not an exclusion | - |
| Taxes and government payments | 0.21% | No cap | All merchants in the categoryTerms: 0.5 BluChips per ₹100 on government payments, a reduced rate, not an exclusion | - |
| Spend abroad or in a foreign currency | 0.42% | No cap | All merchants in the categoryTerms: 1 IndiGo BluChip per ₹100 on international purchases, down from the 3-per-₹100 base. IDFC's card page: "Effective 26th October 2026, earn 1 IndiGo BluChip on every ₹100 spent on international purchases" | - |
| Everything else | 1.26% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
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