IndiGo IDFC FIRST Bank Dual Credit Card
IDFC FIRST Bank
₹4,999
Joining fee
₹4,999
Annual fee
No annual fee waiver despite travel-focused positioning (aggregator).
1.49%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹90,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Offered in two variants: unsecured (Rs 4,999 joining fee) or secured (FD-backed, Rs 1,00,000+ FD, no joining charge); issued as two physical cards (Mastercard and RuPay network) sharing a single credit limit
Lounge access
0 domestic / 0 international visits per year
Reward details
3 BluChips per Rs 100 on general spending
- Up to 22 BluChips per Rs 100 on IndiGo flight bookings
- Annual spend thresholds: Up to 25,000 bonus BluChips annually
Category caps
- UPI, fuel, utilities: Reduced to 0.5 BluChips
- Trip cancellation cover up to Rs 25,000/year
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- High rewards on IndiGo flight bookings for loyal IndiGo flyers; trip cancellation cover; low forex markup for international transactions — Paisabazaar
Complaints
- No complimentary airport lounge access despite the travel-card positioning — Paisabazaar
- Limited lifestyle benefits outside travel categories — Paisabazaar
- No fee waiver provision despite the premium fee — Paisabazaar
Sources
- Official — confirmed Rs 4,999 fee and general travel positioning only; JS-rendered page did not return full detail content
- Aggregator — eligibility, forex, rewards, sentiment