IDFC FIRST Dual Indigo Credit Card

About IDFC FIRST Dual Indigo Credit Card

Are you tired of earning reward points that you never actually use? The IDFC FIRST Dual Indigo Credit Card changes that by turning your everyday expenses into your next vacation. This card is built for those who find themselves booking IndiGo flights frequently and want a straightforward way to cut down their travel costs.

This card offers a unique dual-network experience, giving you the power of both Mastercard and RuPay in one package. By spending on this card, you earn IndiGo BluChips which you can directly use to book flights. If you manage to hit your annual spending milestones, you can get vouchers worth up to 25,000 BluChips every year. That is a massive value boost for anyone who travels domestic or international routes regularly.

Targeted at high-earning professionals and business owners with a monthly income of ₹1,00,000 or more, this card sits in the premium travel category. It is a perfect fit if you spend around ₹40,000-₹50,000 monthly on your card and prefer the flexibility of flying with India's largest carrier.

What makes this card stand out:

• Dual Network Advantage: Use both Mastercard and RuPay networks for maximum acceptance and UPI payment flexibility.
• High Milestone Rewards: Get up to 25,000 BluChips vouchers annually when you reach your spending targets.
• Low Foreign Markup: Pay just 1.49% on international transactions, which is much lower than the industry standard of 3.5%.

Quick Eligibility Check: To apply for this card, you should be between 21-65 years old with a minimum monthly income of ₹1,00,000 and a credit score (CRIF) of at least 720.

Let's dive into the details of how this card can help you save on your future travels:

Key Benefits and Features of the IDFC FIRST Dual Indigo Credit Card

The IDFC FIRST Dual Indigo Credit Card is packed with travel-centric features that focus on reducing your flight costs and making your transit smoother. Here is a breakdown of what you get:

Welcome and Milestone Benefits

When you join, you have options based on the card variant you choose. The standard plastic card comes with a joining fee of ₹4,000, while the annual fee from the second year onwards is ₹2,000. There is also a premium version with a ₹4,999 joining and annual fee. If you prefer a secured option, the bank offers an FD-backed version with no joining fee. To activate your rewards, make sure you perform a transaction of at least ₹100 within the first 30 days of getting the card.

The real value lies in the milestones. As you use the card throughout the year, hitting specific spending targets can get you vouchers worth 25,000 IndiGo BluChips. For a frequent flyer, these chips can significantly subsidize or even fully cover the cost of multiple domestic tickets.

Flight and Travel Perks

The core benefit of this card is the accumulation of IndiGo BluChips. Unlike generic reward points that require complex conversions, BluChips are designed for use on the IndiGo platform. You can redeem these directly at goindigo.in for your flight bookings. This makes the redemption process simple and transparent.

Railway and Commute Savings

While many cards ignore train travelers, this card offers a specific benefit for those who use the Indian Railways. You pay no passenger railway transaction fees for spends up to ₹25,000 per statement cycle. This is a great perk if you frequently book tickets for family or business trips via the IRCTC portal.

International Spending Advantage

If you travel abroad or shop from international websites, you likely know about the heavy 3.5% forex markup most cards charge. The IDFC FIRST Dual Indigo Credit Card slashes this to 1.49%. On a spend of ₹1,00,000 abroad, you would pay only ₹1,490 in fees compared to the ₹3,500 charged by most other cards. This makes it one of the most cost-effective cards for global use in its segment.

Fuel and Insurance Coverage

To help with your daily commute, the card provides a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000. Additionally, you get complimentary insurance cover starting from the day your card is set up. Just remember to update your nominee details through the bank portal to ensure the coverage is active and valid.

Eligibility and Fees Summary

To qualify for these benefits, you need to meet the following criteria:

• Income Requirement: ₹1,00,000 monthly (₹12 LPA for both salaried and self-employed).
• Age Limit: 21-65 years.
• Credit Score: A CRIF score of 720 or above is generally required.
• Annual Fee: ₹4,999 (standard) or ₹2,000 (for the ₹4,000 joining fee plastic variant).

How to Apply for the IDFC FIRST Dual Indigo Credit Card

The application process is straightforward and can be completed online. Follow these steps to get started:

1. Check Eligibility: Visit the bank's website and ensure your monthly income meets the ₹1 Lakh threshold and your credit score is healthy (720+).
2. Fill Details: Enter your mobile number and PAN details on the official application page to start the process.
3. Select the Card: If you are eligible, you will see the IDFC FIRST Dual Indigo Credit Card in the options. Note that the bank might suggest a different variant based on your specific profile.
4. Verify Income: You will need to provide proof of your ₹12 LPA annual income through salary slips or ITR documents.
5. Complete KYC: Finish the Video KYC process as prompted by the bank representative.
6. Card Delivery: Once approved, the card is usually dispatched within 5-7 working days.
7. Activation: Most importantly, spend at least ₹100 within the first 30 days to ensure your reward benefits are activated.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. Given the ₹1,00,000 monthly income requirement, the starting credit limit typically ranges from ₹2,00,000 to ₹5,00,000. IDFC FIRST Bank sets this limit to match your spending capacity, provided you maintain a healthy credit history and a CRIF score of 720 or above.

Comparison Table: IDFC FIRST Dual Indigo vs. Competitors

To understand if this card is right for you, it is helpful to see how it stacks up against other airline and travel-focused cards in India.

If you are a frequent international traveler, the IDFC FIRST Dual Indigo wins hands down due to its 1.49% forex markup. While the HDFC and Kotak versions have lower joining fees, they charge more than double the fees on foreign transactions. However, if you prefer flying Vistara for the full-service experience, the Axis Vistara Signature might be a better fit despite the higher reward complexity.

Documents Required for IDFC FIRST Dual Indigo Credit Card Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credit
• Employment Proof: Office ID card or official employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration, or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification depending on your profile.

Who Should Get This Card?

Should you get this card? Here's who benefits most:

The "IndiGo Loyal" Business Traveler
If you find yourself on an IndiGo flight at least twice a month for work, this card is a no-brainer. Suppose you spend ₹1,00,000 monthly on business expenses. Not only do you accumulate BluChips for every rupee spent, but you will also easily hit the annual milestones to get those 25,000 BluChips vouchers. This can effectively result in 3-5 free domestic flights every year, providing a massive return on your ₹4,999 fee.

The International Shopper or Vacationer
You are someone who travels abroad once or twice a year and spends heavily on international websites. With the 1.49% forex markup, you are saving ₹2,000 for every ₹1,00,000 spent compared to most other cards. If your annual international spend is ₹3,00,000, you save ₹6,000 just on markup fees, which completely covers the annual fee of the card.

The High-Income UPI User
Since this card comes on the RuPay network as well, you can link it to your UPI apps. If you are a high-spender who prefers using UPI at large merchants, you can rack up rewards on transactions where credit cards were previously not accepted. This is perfect for someone earning ₹12 LPA who wants their daily tea-stall or grocery UPI spends to contribute toward their next flight.

You might want to skip this card if:
You prefer luxury full-service carriers like Air India or Vistara, as the rewards here are strictly locked into the IndiGo ecosystem. Also, if your monthly income is below ₹1,00,000, you will likely not meet the eligibility criteria and should look at entry-level travel cards instead.

BankKaro Expert Review

Based on the card's features, the IDFC FIRST Dual Indigo Credit Card excels at providing a simple, high-value travel ecosystem for the modern Indian flyer. The standout feature is undoubtedly the 1.49% forex markup. In a market where even premium cards often stick to 3.5%, this is a refreshingly customer-friendly move that makes the card a top choice for international use.

The biggest limitation is the absence of complimentary airport lounge access. For a card with a ₹4,999 annual fee, excluding domestic lounge visits is a significant drawback. If you are someone who values the "airport experience" as much as the flight itself, you will find this omission disappointing.

However, the milestone benefit of 25,000 BluChips is very aggressive and rewarding for heavy spenders. Our verdict: Choose this card if you are a loyal IndiGo flyer who spends over ₹5-6 Lakhs annually and wants a card that effectively pays for your vacations through simple, direct rewards. It is a workhorse card for frequent travelers, even if it lacks some of the "lifestyle" fluff like movie or dining discounts.

Terms and Conditions

Please keep the following terms in mind for the IDFC FIRST Dual Indigo Credit Card:

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
• Redemption of BluChips is subject to the terms and conditions of the IndiGo rewards program and must be done through the official IndiGo website.
• The 1% fuel surcharge waiver is applicable only on transaction values between ₹200 and ₹5,000.
• Complimentary insurance benefits require the cardholder to update nominee details on the bank's portal to be valid.