IDFC

IDFC FIRST Bank IndiGo Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Forex markup is low at 1.49%.
  • Up to 6 pts / ₹100 on Indigo
  • You spend on indigo.
Issuer evidence · 5 sources →

Trade-off

Annual fee waiver isn't clearly documented.

Annual fee ₹4,999 per year
Rewards 3 pts / ₹100
Lounge access 0 no lounge
Forex markup 1.49% low
Compare with AU Small Finance Bank Zenith+ →

Similar low-forex profile

What it costs to get, and to keep

Joining vs renewal

First year

₹4,999joining fee

From year 2

₹4,999renewal fee

Welcome offer

IndiGo BluChips joining bundle (₹4,999 fee route)

IndiGo BluChips · IndiGo BluChips

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward pointsRewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Indigo6 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Show all 13 earning rules (11 more)
Education0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
FASTag0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Fuel0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Government services0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Insurance0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
IRCTC0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Railways0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Rent0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Utilities0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
Wallet loads0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
UPI0.5 pts / ₹100Credited as reward pointsShared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI

One shared ceiling applies across 13 of these categories — they draw from the same cap pool.

Annual fee in context

Annual fee is ₹4,999. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

3 points per ₹100 on eligible spend

Point value

Not published by issuer — varies by redemption

Caps

  • General spendRewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI
View full earning rules →

Realisation

Credited as reward points

Costs & fees

Watch outs

Before choosing this card
  • Reward point value isn't clearly documented yet, so overall returns may vary.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹100). Up to ~1,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • We can estimate the points earned, but not a verified ₹ value yet.
  • Fee waiver conditions unclear — verify
  • Forex cost ~₹750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
No complimentary lounge access
International (cardholder)
Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
3 points per ₹100 value depends on redemption
Point validity
Points expire 2 years after earning · verified 7 Jul 2026
Fees & charges

Fees

Annual fee
₹4,999
Joining fee
₹4,999 · verified 7 Jul 2026
Interest-free period
Up to 45 days · verified 7 Jul 2026

International Use

Forex markup
1.49%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Premium

Travel & perks

Fuel Benefits

At the pump
  • No fuel surcharge waiver is available on this card.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
IDFC FIRST Bank IndiGo
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AU Small Finance Bank Zenith+
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IDFC FIRST Bank IndiGo
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IDFC FIRST Bank IndiGo
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SBI Card ELITE
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IDFC FIRST Bank IndiGo
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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Statement-cycle cap: Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI.
  • After the shared cap is reached, further spending in that lane earns no rewards.

Latest update

  • Annual fee: ₹4,999.
  • Forex markup currently listed at 1.49%.
  • No complimentary lounge access.

Common questions

From verified card facts

Is this good for lounge access?

No lounge access.

Is this good for international spends?

Forex markup is 1.49%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Value depends on usage and waiver terms. GST may apply on the annual fee.

When do welcome benefits arrive?

IndiGo BluChips joining bundle (₹4,999 fee route). Included items: IndiGo BluChips — 5,000 IndiGo BluChips voucher on joining fee payment — Option 1 (₹4,999+GST joining fee). FD-backed Option 2 (₹0 joining + FD) excludes this 5,000 voucher., IndiGo BluChips — 3,000 IndiGo BluChips voucher on ₹1,00,000 spends within 90 days (both joining-fee and FD routes). Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 3 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.