travel
IndiGo IDFC FIRST Dual Credit Card
A unique dual-network travel product providing both Mastercard and RuPay cards under one shared account.
Annual Fee
₹4,999+GST from year 2; joining ₹4,999+GST or ₹0 with qualifying FD
Rewards
Up to 22 BluChips on eligible IndiGo bookings; BluChip earning also applies to eligible retail and UPI spends
Lounge Access
No standard complimentary lounge programme confirmed on the current public page
Fuel Waiver
No standard fuel surcharge waiver confirmed
Milestone
5,000-BluChip vouchers at ₹2L, ₹5L, ₹8L, ₹10L and ₹12L annual spends — up to 25,000 BluChips/year
Best For
Regular IndiGo flyers wanting UPI plus international Mastercard acceptance
Welcome Offer
5,000 BluChips on paid joining fee + 3,000 BluChips after ₹1 lakh spend within 90 days
Type
Travel
Description
The IndiGo IDFC FIRST Dual Credit Card provides two physical cards—Mastercard and RuPay—through one application, with a shared credit limit, statement and BluChip reward pool. Customers can either pay a ₹4,999+GST joining fee or currently obtain the first year at ₹0 against a qualifying FD, while both variants carry a ₹4,999+GST annual fee from year two. Annual milestones can generate five vouchers of 5,000 BluChips each at ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh and ₹12 lakh spends. Forex markup is 1.49%. The separate 5,000-BluChip promotional offer for ₹15,000 initial spend expired on 31 July 2026, so I have deliberately not treated it as an active welcome offer.
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