IDFC

IDFC FIRST Bank IndiGo Credit Card

Good fit when rewards, fees, and forex fit your spend pattern — ₹4,999 annual fee.

Top reasons to choose this card

Low 1.49% forex markup

What you'd do with it

Good fit when indigo is a regular spend category for you.

Moderate forex 1.5% forex markup

Suggested comparison Similar low-forex profile Compare with AU Small Finance Bank Zenith+ →

Choose another card to compare →

Annual fee ₹4,999 per year

Forex markup 1.49% moderate

Lounge access 0 no lounge

Rewards / ₹100 6 pts up to · ₹100 on Indigo

The catch Base earn is 3 points per ₹100, but point value is not fully resolved. Check redemption value before comparing it with cashback cards.

Waiver condition missing
Welcome benefit timing may vary
Annual fee known
Forex markup known
No lounge access

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹4,999 higher than 86 of 112 cards
Joining fee: ₹4,999
Forex markup: 1.49% lower than 94 of 111 cards
Lounge access: No complimentary lounge access
Reward rate: Up to 6 pts / ₹100 on Indigo

Not a fit for

No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Forex markup is low at 1.49%.

Verify before applying

Annual fee known
Waiver condition missing
Forex markup known
No lounge access
₹3,000 welcome benefit listed
Welcome benefit timing may vary

Welcome benefit timing and claim process.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 3 points per ₹100, but caps, excluded categories, redemption rules, and point value are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with AU Small Finance Bank Zenith+ Similar low-forex profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee.

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?

A welcome benefit worth ₹3,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: Unknown Lounge confidence: High Waiver confidence: Unknown

Card facts refreshed 11 July 2026.

Watch outs

Before choosing this card

Reward value is not fully resolved in the current snapshot.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn3 points per ₹100

Best verified laneIndigo6 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Indigo6 pts / ₹1006 BC/₹100 on IndiGo channels. Marketing 'up to 22' includes up-to-16 …—

General spend3 pts / ₹100——

Utilities0.5 pts / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (3 pts / ₹100). ~1,500 pts/month. Partner/category bonuses not included.
Fee waiver conditions unclear — verify
Forex cost ~₹750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.