National, August 18, 2025 : IndiGo, India’s most preferred airline, and IDFC FIRST Bank today
announced the launch of the IndiGo
IDFC FIRST Credit Card, a one-of-a-kind offering
that 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 forex markup,
attractive trip cancellation cover, 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 has been designed to offer unmatched accessibility,
with an FD-backed option that makes this premium dual-network product
practically assured to everyone, while maintaining responsible credit risk
practices.
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 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: - 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 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 is more than just a credit card; it’s a bold step
toward democratizing travel and financial empowerment by
allowing every Indian — regardless of credit history — to own the same
world-class product, through a flexible application journey that includes both
traditional and Fixed Deposit-backed access.
Combined with a dual-network card pair, Mastercard and
RuPay, the card ensures widest acceptance across India and globally, with the
added convenience of UPI for everyday spends and a low forex markup of just
1.49% for international use. It’s a truly inclusive, digital-first, and
rewarding travel card for today’s generation of flyers.”
Neetan Chopra, Chief Information & Digital
Officer, IndiGo said: “It is
our endeavor 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 allows users to link their RuPay
credit card to a UPI ID, enabling 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.”
Application Process on IndiGo IDFC FIRST Credit
Card Webpage:
|
IndiGo IDFC FIRST Credit Card (₹4999 + GST |
IndiGo IDFC FIRST Credit Card (₹0 Joining Fee |
|
Step1: Customer |
Step 1: Customer |
|
Step 2: Customer |
Step 2: Customer |
|
Step 3: Basis |
Step 3: Customer will |
|
Step 4: Customer’s |
Step 4: Customer’s |
|
Step 5: Customer |
Step 5: Customer |
|
Step 6: Customer pays |
Step 6: Customer |
|
Step 7: Customer will |
Step 7: Customer will |
About IndiGo:
IndiGo is India’s preferred and amongst the fastest growing
carriers in the world. IndiGo has a simple philosophy: offer fares that are
affordable, flights that are on time, and provide a courteous and hassle-free
travel experience across its unparalleled network. With its fleet of 400+
aircraft, the airline operates around 2200+ daily flights, connecting 90+
domestic and 40+ international destinations, inducted 58 aircraft in 2024 and
welcomed over 118 million customers in FY25. IndiGo was also named the ‘Best
Airline in India and South Asia’ by Skytrax at the World Airline Awards
2025.
For more information, please visit http://www.goindigo.in/
or download our mobile app. You can also connect with us Facebook | Twitter
| Instagram
.
About the Bank
IDFC FIRST Bank is a fast growing, new age Private
Sector Bank created in India with a vision of building a world-class Bank in
India, focused on Ethical, Digital, and Social Good Banking. The Bank has 35.5
million live customers, a customer deposit base of Rs. 2,56,799 crore and loans
and advances of Rs. 2,53,233 crore, spread over 60,000 cities, towns, and
villages across India. It has 1,016 branches but is built as a digital
first Bank in scale, scope, and approach.
Its customer deposits are growing at 26% YoY and Loans
& Advances growing by 21% YoY (June 30, 2025) based on friendly user
digital interface, ethical approach, customer friendly products, strong brand,
and high corporate governance. Its technology stack is built on advanced
technology using cloud native experience layer, microservices led architecture,
and powered by advanced data platform, analytics, and Artificial Intelligence.
Its mobile App has over 2 million views and is rated
4.9 on Google Playstore and 4.8 on Appstore. The App is rated #1 in India and
#4 App in the world by The Forrester Digital Experience Review™: Global
Mobile Banking Apps, Q4 2024 for prioritising Customers’ financial well-being,
comprehensive suite of financial management features, and personalized
financial insights, providing educational resources and expert guidance through
its Financial Wellness Corner and IDFC First Academy.
The 7 Core Principles of IDFC FIRST Bank
- Vision: Building a world-class Bank in India, focused on Ethical,
Digital, and Social Good Banking. - Universal Bank: IDFC FIRST Bank is a Universal Bank, offering a comprehensive
range of services, including Retail, MSME, Rural, Startups, Corporate Banking,
Cash Management, Wealth Management, Deposits, Government Banking, Working
Capital, Trade Finance, and Treasury solutions. - Ethical Banking: The Bank adheres to a “Near and Dear” test,
ensuring its products are so customer-friendly that employees can
confidently recommend them to loved ones. The Bank is committed to doing
right by customers even when no one is watching and believes that income
earned unethically is not worth earning.
So, the Bank has
simplified descriptions, calculations, and legal jargon to avoid confusing
customers and offers “ZERO FEE Banking” on all savings account services,
including SMS alerts, IMPS, RTGS, NEFT, cash deposits, non-home branch access,
ATM withdrawals, cheque books, Demand Drafts, Pay Orders, duplicate statements,
and other commonly charged services. It is the first and only bank in India to
do so.
4.
Customer Friendly
Banking: IDFC FIRST Bank credits interest
monthly on savings accounts. For credit cards, it offers lifetime-free cards
with no minimum spend conditions, non-expiring reward points, zero interest on
ATM cash withdrawals, and dynamic low APR. Any applicable fees are transparent
and clearly explained.
5.
Digital Banking: The Bank’s modern technology stack delivers high-quality services
across mobile, branch, internet banking, call centres, and relationship
managers.
6.
Social Good Banking: The Bank is financially inclusive with high asset quality. It has
financed over 38 million customers, including 16 million lifestyle improvement
loans, 15 million loans to 4.3 million women entrepreneurs, 6.5 million vehicle
loans, 1 million sanitation loans, 1 million livelihood loans, 300,000 SME
loans, and 100,000 home loans.
7.
ESG: The Bank holds high ESG scores, reflecting its commitment to
financial inclusion and social responsibility.
