IndiGo, India’s most preferred airline, and IDFC FIRST Bank today announced the launch of the IndiGo IDFC FIRST Credit Card. This one-of-a-kind offering combines the benefits of both Mastercard and RuPay networks through a single application, ensuring wider acceptance and maximum payment flexibility.

This partnership reflects a shared commitment to delivering value, convenience, and everyday benefits to customers. The card enhances travel experiences with lifestyle privileges, low foreign exchange markup, attractive trip cancellation coverage, and accelerated rewards on IndiGo flight bookings, milestone spends, and everyday purchases. With this launch, IndiGo further strengthens the IndiGo BluChip loyalty program portfolio, offering customers more ways to earn IndiGo BluChips through everyday spends — making every transaction count towards their next flight.

This launch underscores IDFC FIRST Bank’s vision of building a world-class bank, driven by a ‘Customer First ‘ philosophy and powered by a modern digital and technology stack. The IndiGo IDFC FIRST Credit Card provides unmatched accessibility by offering an FD-backed option. Our approach allows universal access to the premium dual-network product while ensuring responsible credit risk management.

Key Highlights of the IndiGo IDFC FIRST Credit Card:

Dual-Network Card Pair:
– Comes as a two-card offering — Mastercard & RuPay issued under a single application, ensuring broad acceptance across domestic, international, and UPI transactions

Two Ways to Apply:
– Payment of ₹4,999 joining fee
Or an application with a ₹1 lakh Fixed Deposit for zero joining fee and guaranteed approval

Welcome Benefits (Joining Fee Route):
– Voucher worth 5,000 IndiGo BluChips
– Complimentary 6E Eats meal voucher

Activation Benefit:
– An additional 3,000 IndiGo BluChips on spending ₹1 lakh within 90 days of card issuance

Accelerated Earn Rates:
– Up to 22 BluChips/₹100 on IndiGo flight bookings via the IndiGo website and mobile app

Milestone Benefits:
– Earn up to 25,000 IndiGo BluChips every year on crossing key annual spend thresholds

Travel & Lifestyle Privileges:
– Low forex markup of just 1.49%
– Trip cancellation cover, travel insurance, and other lifestyle benefits

The IndiGo IDFC FIRST Credit card allows customers to earn free flights faster with earnings across daily spends. With annual spends of ₹12 lakh (Assuming 15% on Flight Bookings on the IndiGo Web & App), customers can earn up to 60,000 IndiGo BluChips plus bonus vouchers of 25,000 IndiGo BluChips every year—enough for multiple free flights to popular destinations. In the first year, they also enjoy additional Bonus vouchers of up to 8,000 IndiGo BluChips, depending on their card type.

Speaking about the launch, Shirish Bhandari, Head – Credit Cards, Tolls & Transit and Loyalty, said, “With the IndiGo IDFC FIRST Credit Card, we’re making premium Travel accessible to all — not just a few. This credit card is more than just a financial tool; it represents a significant step toward democratizing Travel and promoting economic empowerment. It allows every Indian, regardless of their credit history, to access the same world-class product. The application process is flexible and includes both traditional methods and options backed by fixed deposits.

Combined with a dual-network card pair, Mastercard and RuPay, the card ensures the widest acceptance across India and globally, offering the added convenience of UPI for everyday transactions and a low foreign exchange markup of just 1.49% for international use. It’s a genuinely inclusive, digital-first, and rewarding travel card for today’s generation of flyers.”

Neetan Chopra, Chief Information & Digital Officer, IndiGo, said: “We endeavour to continuously enhance the value proposition of IndiGo BluChip for our loyal customers, making this relationship a rewarding experience for them. We are delighted to join hands with IDFC FIRST Bank to offer co-branded credit cards to our customers that enable them to convert their everyday expenses into BluChips and enjoy travel benefits on our ever-growing network.”

Anubhav Gupta, Senior Vice President, Business Development, South Asia at Mastercard, said, “Travel today is about more than just getting from one place to another—it’s about comfort, convenience, and value throughout the journey. With this new card, Mastercard is proud to support a product that enhances every part of the travel experience. From easy bookings and rewarding spends to travel insurance and lifestyle perks, this card is designed to make Travel simpler, more enjoyable, and financially smarter for consumers across segments.”

Speaking on the development, Rajeeth Pillai, Chief Relationship Management, NPCI, said, “We are happy to collaborate with IDFC FIRST Bank and IndiGo to launch this co-branded credit card on the RuPay network. The card’s UPI-enabled functionality enables users to link their RuPay credit card to a UPI ID, allowing for seamless and secure transactions. It also works seamlessly across POS and e-commerce platforms, offering users flexibility and wider acceptance. This innovative feature enhances accessibility and convenience, making everyday transactions as well as travel-related spending more rewarding and secure for users.”

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