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Fees read from issuer pageUpdated 2026-07-26

IDFC FIRST Bank

IndiGo IDFC FIRST Credit Card

₹4,999 a year

Check official issuer source ↗View every IDFC FIRST Bank card →
LinePersonal
Joining fee₹4,999
Annual fee₹4,999
Forex markup1.49%

Rewards, as stated by the issuer

  • Milestones
  • Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year
  • Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year
  • on reaching spends milestones, every year
  • Annual Milestone Benefits
  • Milestone Benefits
  • Milestone benefits are rewarded on cumulative spends throughout the year and are renewed every anniversary year
  • Earn 22 IndiGo BluChips per ₹100*
  • Earn 0.5 IndiGo BluChips per ₹100*
  • Earn 3 IndiGo BluChips per ₹100*
  • *Vouchers earned will be as per the Milestone Program of IndiGo IDFC FIRST Dual Credit Card
  • Milestone
  • Get vouchers of up to 25,000 IndiGo BluChips when you reach spend milestones, every year
  • Additionally, customers can boost their rewards further through early activation bonuses and annual milestone benefits, making it a powerful, travel-friendly card tailored to a range of spending styles.
  • Cardmembers will receive a Bonus voucher of 5000 IndiGo BluChips on every spend milestone. Spend Milestones being INR 2 Lakh spends, 5 Lakh spends, 8 Lakh spends, 10 Lakh spends, and 12 Lakh spends.
  • These vouchers would be credited in your IndiGo BluChip account 5 days after the statement generation date of the month in which the respective milestone was achieved.
  • The Spend Milestone reward program renews every year.
  • Will I receive a bonus voucher of IndiGo BluChips on qualifying for spend milestones every year?

Other benefits

  • - 5000 IndiGo BluChips voucher on joining fee payment
  • - 3000 IndiGo BluChips voucher on 1L spends within 90 days
  • - Get 5 vouchers of 5,000 BluChips each on crossing ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L annually!
  • Free for the 1st year with min ₹50k FD
  • Get Additional Voucher of 5,000 IndiGo BluChip
  • Offer Period:1 st June 2026 to 31 st July 2026
  • Unlock Vouchers of 25,000
  • Voucher of 5000 IndiGo BluChips* a complimentary meal voucher
  • Voucher of 5000 IndiGo BluChips + a complimentary meal voucher
  • Vouchers of up 25,000 BluChips, every year
  • Trip cancellation cover
  • On insurance, fuel, utility, rent, wallet, FASTag, education, railway spends & govt. services
  • Rack up those spends and grab bonus vouchers of IndiGo BluChips:
  • Vouchers of IndiGo BluChips are valid for 6 months from the date of issuance.
  • Monthly spends on Insurance, Fuel, Utilities, Rent & Wallets?
  • **Assumption: 7,500 IndiGo BluChips = 1 free flight (Base Fare). T&C Apply
  • BluChips Voucher Earned*
  • Approx. No of free flights earned annually

Welcome & milestones

Welcome

  • Welcome Benefits of 8,000 BluChips
  • Welcome Benefits
  • ₹4,999 +GST with Joining Benefits
  • On payment of joining fee or FD creation based on the variant of the IndiGo IDFC FIRST Credit Card, the physical credit cards will be dispatched to your mailing address registered with the bank and should arrive in 5 working days.
  • Please Note: Welcome benefits are only applicable upon joining fee payment i.e., not available for FD-backed variant of IndiGo IDFC FIRST Credit Card
  • Please Note: Welcome benefits are only applicable upon joining fee payment i.e., not available for FD-backed variant of IndiGo IDFC FIRST Credit Card. The Joining fee-based variant of the IndiGo IDFC FIRST Credit Card is offered on credit check eligibility basis.
  • Bonus voucher of IndiGo BluChips earned as a part of Welcome benefits has an expiry of 6 months from the date of credit of the voucher in your IndiGo BluChip Account

Milestones

  • Milestones
  • Exclusive Offer: Get Additional Voucher of 5,000 IndiGo BluChip on spends of ₹15k in first 30 days*
  • Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year
  • Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year
  • on spends of ₹15K in the first 30 days of card generation.
  • on reaching spends milestones, every year
  • Voucher of 3000 BluChips on spending ₹1 lakh+ in the 1st 90 days
  • Annual Milestone Benefits
  • Milestone Benefits
  • Milestone benefits are rewarded on cumulative spends throughout the year and are renewed every anniversary year
  • *Vouchers earned will be as per the Milestone Program of IndiGo IDFC FIRST Dual Credit Card
  • on spends of ₹15,000 in the first 30 days of card generation.
  • Get voucher of 3,000 IndiGo BluChips on spending ₹1,00,000 within 90 days of card issuance
  • Milestone

Lounge access

No airport lounge rule is listed on this card's page.

Every fee line found on the page

  • Option 1: ₹4,999 Joining Fee
  • Joining fee: ₹4,999 + GST
  • - Get 5 vouchers of 5,000 BluChips each on crossing ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L annually!
  • Annual Fee ₹4,999 +GST (2nd year onwards)
  • Option 2: ₹0 Joining Fee with FD
  • Apply with ₹0 Joining fee + FD
  • With a low forex markup of just 1.49%
  • Low forex markup fees of only 1.49%
  • ₹4,999 Joining fee
  • ₹0 Joining fee with FD
  • 1.49% Forex
  • Travel abroad and spend affordably with a low Forex Markup of just 1.49%
  • ₹4,999 +GST with Joining Benefits
  • Apply with ₹4999 Joining Fee
  • Apply with ₹0 Joining fee with FD
  • Yes, there is a Joining fee on the IndiGo IDFC FIRST Credit Card. The card comes with a joining fee (1st year) of ₹4,999 + GST and an annual fee (2nd year onwards) of ₹4,999 + GST.
  • However, you can enjoy the benefits of IndiGo IDFC FIRST Credit Card at ₹0 Joining fee by opting for FD backed variant of IndiGo IDFC FIRST Credit Card which requires Fixed deposit to be pledged of ₹50,000. Please Note: Both the variants come with an annual fee (2nd year onwards) of ₹4,999 +GST.
  • The joining fee of ₹4,999 + GST will be charged on the day of card application. However, you are expected to make the payment within the 1st statement’s due date to avoid card closure.
  • Please Note: For the FD backed variant there would be no joining fee which requires a Fixed deposit to be pledged of ₹50,000.
  • Annual Fee of ₹4,999 + GST will be levied every 12 months (365 days) from the day of card issuance, in every 13th statement. The fee must be paid by the Payment due date of the corresponding statement.
  • You can also pay the Joining Fee of ₹4,999 + GST by clicking Pay Joining Fee Online .
  • What makes this card truly unique is its dual card advantage: it combines the global acceptance of Mastercard with a low forex markup of just 1.49%, alongside the convenience of RuPay for seamless UPI transactions.
  • • 3 months complimentary Eazydiner prime membership worth Rs. 1095
  • Renew the card every year by paying the Annual fee of ₹4,999+GST and unlock the following Annual Benefits