IndiGo IDFC First Dual FD Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
Up to 22 BluChips rewards per ₹100 spent on flight bookings through the IndiGo app/website; 3 BluChips per ₹100 spent on general category retail purchases; 0.5 BluChips per ₹100 spent on UPI payments, fuel, insurance, rent, utilities, and wallet top-ups
Welcome Bonus
N/A
Lounge Access
No Lounge Access
FindMyCard Expert Take
This is a secured version of IDFC FIRST's IndiGo co-branded card: back it with a ₹1 lakh fixed deposit and you get the same up to 22 BluChips per ₹100 on IndiGo bookings as the unsecured card, useful if you're new to credit or rebuilding your score. Just note the low 0.5 BluChips per ₹100 on fuel, insurance, rent and utilities.
Pros & Cons
Key Advantages
- No joining fee
- Same IndiGo flight reward rates as the unsecured version of this card
- A useful option for building or repairing credit history while still earning travel rewards
- Low foreign currency exchange markup fees applied across cross-currency international spends
- Domestic trip cancellation insurance included
Limitations
- Requires a high minimum commitment threshold of ₹1 Lakh locked up in an IDFC FIRST Fixed Deposit
- Highly restricted reward yields (0.5 BluChips per ₹100) on daily lifestyle essentials like fuel, insurance, utilities, and rent
- Rewards can only be redeemed for IndiGo flights
Editorial Verdict
The IndiGo IDFC First Dual FD Credit Card is ideally suited for indigo loyalists new to credit or looking to strengthen their credit profile. If you want up to 22 bluchips rewards per ₹100 spent on flight bookings through the indigo app/website; 3 bluchips per ₹100 spent on general category retail purchases; 0.5 bluchips per ₹100 spent on upi payments, fuel, insurance, rent, utilities, and wallet top-ups, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need New to Credit / Poor Credit History (Accessible via a Fixed Deposit benchmark) credit to be approved.
Key Perks & Spending Milestones
Up to 22 BluChips rewards per ₹100 spent on standard flight allocations executed directly through the IndiGo application or web platform
6 baseline BluChips per ₹100 spent on booking interactions when utilizing the IDFC FIRST co-branded card infrastructure
8 BluChips per ₹100 as part of IndiGo's BluChip membership program
4 additional BluChips per ₹100 applied as a direct digital booking channel transactional reward bonus on the official booking portal
Up to 4 extra BluChips per ₹100 depending on your BluChip tier status
3 standard BluChips per ₹100 captured on general retail spends and everyday category transactions outside special exclusions
0.5 BluChips per ₹100 on UPI payments managed via the RuPay card network option variant
0.5 BluChips per ₹100 on fuel, insurance policies, monthly rent, baseline utilities, and digital wallet top-up loads
Low foreign exchange cross-currency mark-up payment handling fee structured directly into the card
Complimentary built-in trip cancellation security insurance cover shielding limits up to ₹25,000 per annum
🚀 Milestone Spends Timeline
Up to 30,000 additional BluChips points annually, stackable year over year
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Offered with absolute zero joining fee obligations when backed by a Fixed Deposit
Regular Interest Charges
Subject to standard IDFC FIRST Bank secured card baseline tier structures
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
employment profiles
Salaried, Self-Employed, or Unemployed — requires a minimum ₹1,00,000 Fixed Deposit held with IDFC FIRST Bank as collateral
Compare IndiGo IDFC First Dual FD Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndiGo IDFC First Dual FD Credit Card This Card | Free | Up to 22 BluChips rewards per ₹100 spent on flight bookings... | No Lounge Access | 4.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |