IndiGo IDFC FIRST Dual credit card

IndiGo IDFC FIRST Dual

IDFC FIRST Bank · Visa

IndiGo IDFC FIRST Dual credit card is a co-branded card that earns IndiGo air miles on every spend and offers complimentary flight tickets on milestones.

Annual Fee

₹1,499

Waived at ₹1.5L spend

Joining Fee

₹1,499

Base Reward Rate

4X

₹0.75/pt

Min CIBIL

700

₹4L+ income

Key Features

Lifetime free dual-network card — Visa + RuPay on one account
Earn IndiGo 6E Rewards on all spends
3 6E Rewards per ₹100 on IndiGo flight bookings
2 6E Rewards per ₹100 on dining and entertainment
1 6E Reward per ₹100 on other spends
UPI credit payments via RuPay — earn rewards on UPI
Complimentary domestic lounge access
Never-expiring IDFC FIRST reward points

Welcome Benefits

✓

Lifetime Free Dual-Network Card

Zero annual fee, zero joining fee forever — rare LTF airline co-branded card with both Visa and RuPay

✓

2,000 Bonus 6E Rewards on First Spend

Earn 2,000 IndiGo 6E Rewards on first transaction within 90 days of activation

Reward Rates by Category

Dining

3X

Travel

8X

Online

4X

Shopping

3X

Grocery

3X

Fuel

1X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
IndiGo (indigo.com)Airlines3X
DiningDining2X
EntertainmentEntertainment2X
UPI MerchantsUPI Payments2X

Milestone Benefits

₹3.0 L

5,000 Bonus 6E Rewards

Earn 5,000 bonus 6E Rewards on ₹3 lakh annual spend

Annual

Airport Lounge Access

Domestic

4 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

IndiGo tickets booked on card

₹50 Lakhs

Zero Liability

Report promptly

100% fraudulent charges

Pros

  • Complimentary IndiGo flight tickets
  • Air miles on all spends
  • Domestic lounge access
  • Waived fuel surcharge
  • Annual fee waived on spend

Cons

  • Best value for IndiGo flyers only
  • Annual fee of ₹1,499
  • Miles expire if not used

Frequently Asked Questions

What is a dual-network card?+
The card works on both Visa (for POS and international use) and RuPay (for UPI payments) — you get the best of both networks on a single account.
Is it really lifetime free?+
Yes — zero annual fee and zero joining fee forever. One of very few lifetime-free airline co-branded cards in India.
How do 6E Rewards work?+
Earn on all spends, redeem for IndiGo base fares, add-ons like seat selection, excess baggage and meal upgrades on indigo.com.
Can I pay via UPI?+
Yes — the RuPay component enables UPI credit card payments via PhonePe, Google Pay and other apps.
Do points expire?+
No — IDFC FIRST reward points and 6E Rewards never expire on this card.

Ready to apply?

Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.

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IndiGo IDFC FIRST Dual

₹1,499/yr · 4X rewards