IndiGo x IDFC FIRST Dual Credit Card: Perks, Pitfalls & Our Verdict

IndiGo and IDFC FIRST Bank have launched a dual-network credit card targeted at frequent flyers and savvy spenders. Here’s an overview:

  • Dual Network: Get both RuPay and Mastercard cards, accepted globally.
  • Unlimited IndiGo BluChips: Earn rewards whether you pay via UPI or use the card internationally.
  • Joining Benefits:
    • 5,000 IndiGo BluChips auto-credited
    • IndiGo meal voucher
    • EazyDiner 3-month membership
    • ₹3,000 Postcard Hotels stay voucher
  • Annual Milestone Rewards: Earn up to 25,000 BluChips per year by hitting spend thresholds.
  • Accelerated Earning:
    • 6 BluChips/₹100 on IndiGo website/app
    • 3 BluChips/₹100 on other spends
    • 0.5 BluChips/₹100 on UPI and essentials
  • Travel Perks:
    • Trip cancellation cover up to ₹25,000
    • 1.49% low forex markup

Tapnow Insight:

Despite the attractive joining perks and milestone rewards, we at Tapnow suggest taking a closer look before committing:

  • The ₹4,999 + GST annual fee is significant.
  • Rewards are heavily skewed towards IndiGo spends—general users may not maximize benefits.
  • UPI and essential spends earn very low rewards.

Does the card offer lounge access?

Not explicitly mentioned in launch benefits. It focuses more on travel protection and BluChip rewards. You might want to pair it with another card for lounge access if that’s a priority.