IDFC First Bank
IndiGo IDFC FIRST Credit Card
Data last verified: 27 October 2026
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Reward rate1.26% on most spends; 2.52% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Forex markup0%
This card earns IndiGo BluChips, IndiGo's own reward currency, which you redeem for IndiGo flights. Everyday spends earn 3 BluChips per Rs 100 (about 1.26% at their typical value), IndiGo bookings earn more, while fuel and education earn a reduced rate and EMI and cash earn nothing.
It carries zero markup on foreign spends, which helps on trips abroad. The fee is ₹4,999 a year.
It suits someone who flies IndiGo often and wants every spend to turn into IndiGo flights. If you rarely fly IndiGo, a cashback card will return more.
Best for: Frequent IndiGo flyers, Travellers abroad who want 0% forex markup.
01IndiGo IDFC FIRST Credit Card Rewards and Benefits
02IndiGo IDFC FIRST Credit Card Annual Fee and Charges
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1.26%₹252
- Back each month, ₹3,024 a year₹252
- Annual fee with 18% GST−₹5,899
- It costs you each year₹2,875
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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%
Skip it if…
- 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%
04Product Details
- 3 IndiGo BluChips per ₹100 on everyday spends
- More BluChips on IndiGo bookings
- 0% forex markup
- Mastercard
05Pros and Cons
Pros
- Every spend earns IndiGo BluChips
- 0% forex markup
Cons
- High annual fee of ₹4,999
- BluChips are worth most only on IndiGo
- Reduced rate on fuel and education; nothing on EMI and cash
06How IndiGo IDFC FIRST Credit Card earns Rewards
1.26% on most spends; 2.52% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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)
Point value. 1 point is worth about ₹0.42 at the bank's stated value.
07IndiGo IDFC FIRST Credit Card Travel Benefits
Spending abroad carries a 0% forex markup; rewards on it: 0.42% back. See what it costs on your trip
Also on the card. golf privileges, insurance cover, milestone bonuses.
- Golf privileges: Mastercard World golf, 12 complimentary green-fee rounds a year (max 3/quarter), 12 lessons (3/quarter) and 4 guest rounds a year (1/quarter)
- Insurance cover: Trip-cancellation cover up to ₹25,000 a year (per the current product page); the fuller insurance stack listed in the July product guide awaits re-verification
- Milestone bonuses: 5,000-BluChip voucher at ₹2 lakh annual spend (first of five milestones; vouchers valid 6 months)
- Milestone bonuses: A further 5,000-BluChip voucher at ₹10 lakh annual spend
- Milestone bonuses: A further 5,000-BluChip voucher at ₹12 lakh annual spend (up to 25,000 BluChips a year in total)
- Milestone bonuses: A further 5,000-BluChip voucher at ₹5 lakh annual spend
- Milestone bonuses: A further 5,000-BluChip voucher at ₹8 lakh annual spend
08IndiGo IDFC FIRST Credit Card Eligibility and Documents
- Age
- 18 years and above
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof (salary slips or ITR)
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Oct 2026 | Reduced: International spends cut to 1 BluChip per ₹100Source: IDFC First Bank | 3 BluChips per ₹100 (base rate) | 1 BluChip per ₹100 |
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 22 Jul 2026 | Reduced: FASTag, railway, government and education cut to 0.5 BluChipsSource: IDFC First Bank | 3 BluChips per ₹100 (base rate) | 0.5 BluChips per ₹100 |
| Jul 2026 | Reduced: BluChips now forfeited if the minimum due is missedSource: IDFC First Bank | Credited regardless of payment behaviour | Credited on due date + 1 only if the minimum amount due is paid on time |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to IndiGo IDFC FIRST Credit Card
IndiGo IDFC FIRST Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndiGo IDFC FIRST Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Rewards | 1.26% on most spends; 2.52% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 0% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 27 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndiGo IDFC FIRST Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What does the IndiGo IDFC FIRST card earn?
3 IndiGo BluChips per ₹100 on everyday spends, more on IndiGo bookings, a reduced rate on fuel and education.
What is the annual fee?
₹4,999 a year.
Is there a forex markup?
No, it is zero.
What is the joining fee for the IndiGo IDFC FIRST Credit Card?
The joining fee is ₹4,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndiGo IDFC FIRST Credit Card?
The annual fee is ₹4,999 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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