Credit Cards · Honest Review
IndiGo IDFC FIRST Dual Credit Card
IDFC FIRST Bank · Visa
Your Verdict
- ✓Up to 22 BluChips per ₹100 on all IndiGo flight bookings
- ✓3 BluChips per ₹100 on dining and entertainment
- ✓0.5 BluChips per ₹100 on all other spends
- ✓5,000 BluChips welcome bonus + 6E Eats voucher
- ✓Dual card — Mastercard for global use, RuPay for UPI
What IndiGo IDFC FIRST Dual Credit Card costs you
IndiGo IDFC FIRST Dual Credit Card carries a ₹4,999 annual fee and a ₹4,999 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹4,999 |
| Joining fee (one-time) | ₹4,999 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
IndiGo IDFC FIRST Dual Credit Card earns 0.50% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.50% |
| ✈️ Travel & Flights | 22% |
| 🍽️ Dining & Food | 3% |
5,000 IndiGo BluChips + 6E Eats voucher on joining
Reward types: Miles · Points
Beyond the reward rate
The non-reward benefits on IndiGo IDFC FIRST Dual Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IndiGo IDFC FIRST Dual Credit Card
IndiGo IDFC FIRST Dual Credit Card requires a minimum net monthly income of ₹50,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹50,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get IndiGo IDFC FIRST Dual Credit Card
- → Heavy spenders on travel & flights who want 22% back
- → Heavy spenders on dining & food who want 3% back
- → Frequent travelers who value airport lounge access
IndiGo IDFC FIRST Dual Credit Card — Questions answered
What is the annual fee for IndiGo IDFC FIRST Dual Credit Card?
What is the minimum income required for IndiGo IDFC FIRST Dual Credit Card?
What is the reward rate on IndiGo IDFC FIRST Dual Credit Card for travel & flights?
Does IndiGo IDFC FIRST Dual Credit Card provide airport lounge access?
How long does it take to get IndiGo IDFC FIRST Dual Credit Card approved?
How long does it take to get IndiGo IDFC FIRST Dual Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.