This co-branded credit card gives you two cards under one account — one on the Mastercard network and one on RuPay. Both share the same credit limit and rewards program. You can get it either by paying a joining fee or through a fixed-deposit (FD) backed variant with no joining fee.
Key Features & Benefits
| Feature | Details |
|---|---|
| Dual card networks | One Mastercard + one RuPay card, both under a single account. RuPay also supports UPI and QR payments. |
| Rewards (IndiGo BluChips) | Up to 22 BluChips per ₹100 on IndiGo flight bookings, 3 BluChips per ₹100 on other spends, and 0.5 BluChips per ₹100 on UPI, rent, fuel, utilities. |
| Milestone / Annual Bonus | Earn up to 25,000 BluChips vouchers annually by reaching spend thresholds (₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, ₹12 lakh). |
| Welcome & Activation Benefits | Paid variant gives ~5,000 BluChips + a complimentary IndiGo meal voucher. Extra ~3,000 BluChips on spending ₹1,00,000 within first 90 days. |
| Low Forex Mark-up | 1.49% on foreign currency transactions (lower than many standard cards). |
| Travel & Insurance Perks | Trip cancellation cover up to ₹25,000/year, air accident insurance up to ₹1 crore, personal accident cover, etc. |
| Credit access flexibility | FD-backed variant helps those with low/no credit history. |
Costs & Charges
| Charge Type | Amount / Details |
|---|---|
| Joining Fee (1st year) | ₹4,999 + GST (waived in FD-backed variant). |
| Annual Fee (from 2nd year) | ₹4,999 + GST for all variants. |
| Finance Charges / Interest Rates | Standard credit card interest on unpaid balances. |
| Late Payment Fee | As per standard credit card schedule. |
| FD lien conditions (for FD variant) | Your FD remains under lien while the card is active; released after dues settled. |
Who Should Consider This Card
Frequent IndiGo flyers who want to earn and redeem BluChips for flights.
People doing international transactions who want low forex markup.
Users wanting both UPI/QR + Mastercard acceptance in one account.
People without strong credit history who can use the FD-backed variant.
Drawbacks to Keep in Mind
High joining and renewal fees unless you maximise the benefits.
Rewards are most valuable for IndiGo bookings; less so for other spends.
BluChips vouchers may have validity limits; need to redeem in time.
FD-backed variant ties up your funds while the card is active.
Shared credit limit across both cards — not two separate limits.
Bottom Line
The IndiGo IDFC FIRST Dual Credit Card is attractive for frequent travellers and those who want one account with both RuPay + Mastercard. It offers high flight rewards, milestone bonuses, and low forex markup, plus an FD-backed option for those without a strong credit history. However, to justify its fees you need to use it actively for flight bookings and everyday spending.
FAQs:
Q1. What makes the IndiGo IDFC FIRST Dual Credit Card unique?
It gives you two cards — Mastercard and RuPay — under one account, combining rewards and credit limit, plus UPI support on the RuPay card.
Q2. What is the joining and annual fee?
₹4,999 + GST joining fee and the same as annual fee from the second year. The FD-backed version has no joining fee but still carries the annual fee from year two.
Q3. What rewards can I earn?
Up to 22 BluChips per ₹100 on IndiGo bookings, 3 BluChips on most other spends, and 0.5 BluChips on UPI, rent, fuel, utilities.
Q4. How do milestone rewards work?
When you reach specified annual spending thresholds (₹2L, ₹5L, ₹8L, ₹10L, ₹12L) you get bonus BluChips vouchers worth up to 25,000 BluChips per year.
Q5. Does the card help people with no credit history?
Yes, the FD-backed variant allows you to get the card by pledging a fixed deposit, helping you build or improve your credit history.
Published on : 19th September
Published by : SMITA
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