Overview – IndiGo IDFC FIRST Dual Credit Card
The IndiGo IDFC FIRST Dual Credit Card is a co-branded travel card offered in collaboration with IndiGo Airlines. It is available in two variants:
Unsecured Variant: Requires a joining fee of Rs. 4,999.
Secured Variant: No joining fee but secured against a fixed deposit of Rs. 1 lakh or more, making it ideal for individuals new to credit.
From the second year onwards, an annual fee applies to both variants. The card provides dual-network benefits with two physical cards—Mastercard and RuPay—sharing a single credit limit, common statement, and unified rewards pool.
This card is travel-centric, forming part of the IndiGo BluChip co-branded card lineup alongside IndiGo Kotak and IndiGo Kotak XL cards. It offers up to 22 BluChips per Rs. 100 spent, milestone and fee-payment bonuses up to 30,000 BluChips annually, reduced forex mark-up fees, and complimentary trip cancellation cover, making travel more rewarding and cost-effective.
Note: This card is not available on Paisabazaar. To apply or express interest, please visit the IDFC FIRST Bank website.
IndiGo IDFC FIRST Credit Card Rewards – BluChips Program
Flight Bookings (via IndiGo app/website):
- Earn up to 22 BluChips per Rs. 100 spent.
- 6 BluChips for using the IDFC FIRST IndiGo Credit Card.
- 8 BluChips for existing IndiGo BluChip members.
- 4 BluChips as a channel bonus when booking through the app/website.
- Up to 4 BluChips as a tier bonus based on your IndiGo BluChip membership level.
Other Purchases:
- Earn 3 BluChips for spending in categories outside flight bookings.
Limited Categories:
- Earn 0.5 BluChips for UPI payments (RuPay card), fuel, insurance, rent, utility bills, and wallet transactions.
Redemption:
- Accumulated BluChips can be used to book IndiGo flights.
- Redeem points by logging into your IndiGo BluChip account.
Other Features & Benefits – IDFC FIRST IndiGo Credit Card
Welcome Bonus:
- Earn a voucher of 3,000 BluChips on spending over Rs. 1 lakh within the first 90 days of card activation.
Fee Payment Reward:
- Receive 5,000 BluChips and a complimentary meal voucher each year when paying the joining or annual fee.
Forex Charges:
- Foreign exchange markup fee at 1.49%.
Milestone Benefits:
- Earn up to 25,000 bonus BluChips annually based on total spends.
- 5,000 BluChips awarded on achieving annual spend milestones of Rs. 2 lakh, 5 lakh, 8 lakh, 10 lakh, and 12 lakh.
Trip Cancellation Cover:
- Get reimbursed up to Rs. 25,000 per year for non-refundable flight or hotel bookings.
Golf Privileges:
- Enjoy 4 complimentary golf rounds and 12 golf lessons annually via Mastercard benefits.
IndiGo IDFC FIRST Dual Credit Card Reward Points & Cashback Calculator
IndiGo IDFC FIRST Credit Card: Fees & Charges
Things to Know Before Applying – IDFC FIRST IndiGo Credit Card
Ideal for Frequent Travelers:
- Best suited if flight bookings form a significant part of your yearly expenses.
Preferred Airline:
- Designed for those who primarily fly with IndiGo.
Travel Protection:
- Offers trip cancellation coverage for non-refundable bookings.
Cost-Effective Abroad:
- Features a low forex mark-up fee, making international spending cheaper.
Steps to Close IndiGo IDFC FIRST Dual Credit Card
If you want to close your IndiGo IDFC FIRST Dual Credit Card, you can complete the process through the digital banking platforms of IDFC FIRST Bank such as the mobile app or internet banking without visiting a branch.
Close via Mobile App or Net Banking
- Step 1: Log in to Your Account
Open the IDFC FIRST Bank mobile app or internet banking portal and sign in using your registered login credentials - Step 2: Go to Cards Section
Navigate to the “Cards” or “Credit Cards” section and select your IndiGo IDFC FIRST Dual Credit Card from the list - Step 3: Select Card Closure Option
Find the option for card closure, deactivation, or service request and choose the cancellation option - Step 4: Enter Required Details
Fill in the required information such as the reason for closure and complete the verification process as prompted - Step 5: Submit and Confirm Request
Review all entered details carefully and submit your closure request
You may need to complete OTP verification for final confirmation
Important Points Before Closing the Card
- Ensure all outstanding dues including EMIs, interest, and pending charges are fully cleared before initiating closure
- Redeem any remaining reward points, cashback, or travel benefits linked to the card
- Cancel all active subscriptions, auto-debits, and standing instructions linked to the card
- Avoid using the card after submitting the closure request
After Submitting the Closure Request
- Do not perform any further transactions once the closure request is initiated
- Cut and safely destroy the physical card only after receiving official closure confirmation
- Check your credit report after a few weeks to ensure the account status is updated as “Closed”
IndiGo IDFC FIRST Dual Credit Card Helpline Number
If you need assistance related to your IndiGo IDFC FIRST Dual Credit Card, you can contact the customer support team of IDFC FIRST Bank. They provide support for billing queries, transactions, card blocking, reward points, and other credit card-related services.
Customer Care Numbers (24×7)
These numbers are available round the clock for all credit card-related queries and emergency assistance
Email Support
You can send your queries or complaints from your registered email ID for faster resolution
Services Available
- Help with billing statements and transaction-related issues
- Support for payment status and outstanding dues
- Assistance in blocking lost or stolen credit cards
- Guidance for credit card closure or cancellation requests
- General account and banking support services
Important Points
- Always keep your registered mobile number and identity details ready for verification
- Use only official IDFC FIRST Bank contact channels to avoid fraud or scams
- Immediately block your card if you notice any suspicious or unauthorized transactions
