5 Smart Benefits of IndiGo IDFC First Dual Credit Card That You Should Be Aware Of In 2026

The IndiGo IDFC First Dual Credit Card is a co-brand travel credit card offered by IDFC FIRST Bank in collaboration with InterGlobe Aviation Ltd (IndiGo), which is India’s leading airline.

Table of Contents

Introduction: What Is the IndiGo IDFC FIRST Dual Credit Card?

The IndiGo IDFC First Dual Credit Card is a co-brand travel credit card offered by IDFC FIRST Bank in collaboration with InterGlobe Aviation Ltd (IndiGo), which is India’s leading airline. The card is intended for customers seeking added value from a Rewards card for their day-to-day transactions or a travel accomplice for frequent flyers, especially IndiGo customers.

Unlike the high-end airline credit cards that charge exorbitant fees and offer elite rewards, the IndiGo IDFC FIRST Dual Credit Card is designed to find a middle ground between offering rewarding rewards for travelers and rewarding regular spending on products such as food, groceries, and e-commerce purchases.

We will discuss in this review how this card functions, its benefits and drawbacks, along with its cost and whether to apply for this card in this article. This is similar to how we reviewed Tata Neu HDFC Bank Credit Card.

The Way the IndiGo IDFC First Dual Credit Card Works

On the surface, the IndiGo IDFC FIRST Dual Credit Card is a normal credit card that you use by swiping or online payments, which makes you pay a bill at the end of the month. However, the rewards that come along with the use of the credit card make the card special.

When to use this card:

For each qualifying purchase, you earn reward points.
You earn higher points for travel spends and for normal transactions.
You can redeem points to book flights, vouchers, and other travel services.
There are partner offers and travel discounts that you get as part of the aviator platform.

Rewards & Benefits: What You Can Earn

You receive two cards – one on Mastercard (global acceptance and usage) and one on RuPay (for UPI/QR payments and Indian acceptance) – with a shared credit limit and a single application.
Earn up to 22 BluChips per Rs 100 on IndiGo flight bookings, 3 BluChips per Rs 100 on everyday spends, and 0.5 BluChips per Rs 100 on UPI, rent, and utility payments (1 Indigo Bluechip = Re. 0.4 to 0.6 & T&C apply)
Enjoy international (forex) markup fee of just 1.49%, making it cost-effective for foreign transactions.
Get a welcome voucher of 5,000 IndiGo BluChips and a complimentary IndiGo meal voucher with the joining fee route.
Enjoy up to 25,000 BluChips annually by reaching key spending milestones (Rs 2L, Rs 5L, Rs 8L, Rs 10L, and Rs 12L), plus an extra 3,000 BluChips when you spend Rs 1,00,000 within the first 90 days of receiving your IndiGo IDFC FIRST Dual Credit Card.
Enjoy complimentary 3-month EazyDiner Prime membership and exclusive hotel offers such as a stay voucher for The Postcard Hotels.
Pay the annual fee (Rs 4,999 + GST) and receive another 5,000 BluChips voucher and a meal voucher – renewable every year.
Enjoy up to Rs 10,000 instant discount on Apple products.
Get 7.5% off up to Rs 7,500 on Croma purchases over Rs 5,000.

Welcoming Bonus Offer Makes the Card Irresistibly Helpful from Day One

A majority of dual credit cards have a first-time offer, and the IndiGo IDFC FIRST Dual Credit Card is one such card that comes with a pleasing first-time offer. After payment for membership as well as completion of your first spends, you normally get special reward points as a first-time offer.

This is an excellent sign-up perk because you immediately get value out of this card while helping to offset the fee for membership as an internationally travel-focused card user.

Double Rewards: Travel & Day-To-Day Spending

Among the most significant benefits of this credit card is how many categories of spending are treated:

Travel and IndiGo Bookings:

Accelerated reward points will be earned for airline booking or any kind of associated travel services through IndiGo.
Benefits can also apply to additional purchases including meals, luggage, and/or priority handling.

Regular Spending:

You also get bonus points on such categories as:

8 Practical Uses of SBI Simply Click Credit Card for Online Buyers

Online shopping
Groceries
Dining
Utility slips

This dual card reward structure will ensures that you will be continue to earn rewards value even when you’re not flying.

Reward Redemption Is Flexible & Travel-Friendly

“The reward points you earn can be redeemed for:”

IndiGo airline tickets
Flight Add-on or Upgrades
Travel Vouchers
“Discounts on partner services” refers
Lifestyle awards & gift cards

Furthermore, the versatility of your points ensures that they are not kept idle, but rather redeemed for travel or for their value in your day-to-day life, based on which mode of redemption you choose.

Travel Rewards for Frequent flyers

As this card entails travel too, there are certain travel benefits which include seasonal deals, priority rewards, and exclusive airline offers. It may not include high-end rewards such as airport lounge access; however, the benefits revolve around travel value for which IndiGo frequent flyers can make the most use.

These benefits will come in very handy when traveling domestically. In this way, it will help cut the costs of flights and baggage.

Digital & Secure Banking Experience

Issued from IDFC FIRST Bank, the credit card has the advantage of:

Contactless payment support.
Live transaction notifications.
Simple card management through mobile app.
Fraud Protection and Dispute Resolution.

The cardholders can check their expenditure, redeem their points, as well as their billing, all conducted though the online mobile app or internet facility of the respective bank.

Fees & List of Charges –

Joining Fees: Rs 4999 + GST / Nil (for Secured Card)
Annual Fees: Rs 4999 + GST / Nil (for Secured Card)

Eligibility & Required Documents

Eligibility Criteria:-

Required Age: 21-65 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs 25,000/monthly
Self Employed: Rs 3,00,000/annum
Credit Score: 720+
FD Required: Rs 1,00,000 and above (for Secured Card)

Documents Needed:-

ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips

Limitations & Final Verdict

The IndiGo IDFC First Dual Credit Card provides restricted high-end benefits such as lounge access and will function better in an IndiGo context. But if you are an infrequent traveler, the overall effectiveness of the card will decrease. Nevertheless, this appears to be a rational card for frequent IndiGo customers who use digital means of payment.