Mastercard,RuPay 📡 Contactless NFC

IDFC FIRST Dual Indigo Credit Card

Joining Fee₹4,999

Annual Fee₹4,999

Forex Markup 3.5%

Application ModeDirect via Bank Website

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Vouchers worth up to ₹3,000 on spending ₹15,000 within 30 days of card issuance and 100% cashback on first EMI transaction

Earn Up To 22 IndiGo BluChips Per ₹100

On IndiGo Flight Bookings 6 as card benefit, 8 as BluChip member bonus, 4 as channel bonus on IndiGo app/website, and up to 4 as tier bonus

Save With a Low Forex Markup of 1.49%

On International Transactions on international POS and online purchases in foreign currency

Earn 0.5 IndiGo BluChips per ₹100

On UPI spends via the RuPay variant of the card, redeemable against IndiGo flights

Earn 3 IndiGo BluChips per ₹100

on All Other Spends on eligible online and offline transactions, redeemable against IndiGo flights

Earn 0.5 IndiGo BluChips per ₹100 On Utility Spends

redeemable against IndiGo flight bookings

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

3X Reward Points per ₹100 spent (0.75% value)

Accelerated / Partner Rate

10X Reward Points on incremental spends above ₹20,000 per month and on birthday spends

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Statement Credit, Brand Vouchers, Flight and Hotel Bookings, Product Catalog

🚫 No Reward Points / Cashback on:

Fuel Cash Advances EMI Transactions Balance Transfer Wallet Loads Government Transactions

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 visits per quarter

🌐

International Lounge Visits2 visits per year

⚠️

Spend Criteria: Requires ₹20,000 spend in previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,500,000/yr

Annual fee waived on spends of ₹15,00,000 or more in the preceding anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver (Capped at ₹400/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹100,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

Official Bank Portal Application

Get the IDFC FIRST Dual Indigo Credit Card

Annual Fee: ₹4,999/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, IDFC FIRST Dual Indigo Credit Card has a joining fee of ₹4999 and an annual renewal fee of ₹4999 (plus applicable taxes).