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
No Lounge Access
Recent changes
Our 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.
Where this card earns most
Paying directly in the app or site · 1.5% on other spends
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
- Zero forex markup on 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
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
Zero forex markup on international spends (IDFC FIRST removed markup on all its credit cards from 18 Sep 2026)
Complimentary built-in trip cancellation security insurance cover shielding limits up to ₹25,000 per annum
Spend milestone
Up to 30,000 additional BluChips points annually, stackable year over year
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Offered with absolute zero joining fee obligations when backed by a Fixed Deposit
Interest rate
Subject to standard IDFC FIRST Bank secured card baseline tier structures
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
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
Credit score & income
New to Credit / Poor Credit History (Accessible via a Fixed Deposit benchmark)
Frequently Asked Questions
What's the BluChips rate on IndiGo IDFC First Dual FD Credit Card?
What does 'Dual FD' mean for this card?
Does this card offer lounge access?
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 |