M16S / IDFC First Bank / IndiGo IDFC FIRST Dual Card
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IndiGo IDFC FIRST Dual Card
The IndiGo IDFC FIRST Dual Card costs Rs 4,999 a year. It earns 3 BluChips per Rs 100 on other eligible spends. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 4,999+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 0%
- Interest
- 3.85%a month
Apply on idfcfirst.bank.inOpens the bank’s own page.
What changed on this card
- IDFC FIRST keeps reward points on international spends, Sep 2026
IDFC FIRST credit cards have zero forex markup from 9 September 2026 and still earn reward points on international spends. The bank dropped its planned 26 October cut in a later letter.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 4,999 |
|---|---|
| Annual fee | Rs 4,999 |
| Fee notes | Rs 4,999 + GST joining and annual (issuer listing). FD-backed variant: first year free with FD of Rs 50,000 or more, no welcome benefits (aggregator). |
Rewards
| Welcome benefitunverified | 5,000 BluChips voucher on fee payment, IndiGo meal voucher, 3-month EazyDiner Prime, Rs 3,000 hotel voucher; 3,000 BluChips on Rs 1 lakh spend in 90 days (aggregator) |
|---|---|
| Reward currency | IndiGo BluChips |
| Base earnunverified | 3 BluChips per Rs 100 on other eligible spends |
| Point valueunverified | Set by IndiGo; aggregator estimates Rs 0.40-0.50 per BluChip |
| Accelerated earnunverified | Up to 22 BluChips per Rs 100 on IndiGo web/app bookings (6 from the card + 8 member base + 4 channel + up to 4 tier bonus) |
| Capsunverified | 0.5 BluChips per Rs 100 on UPI, rent, utilities, insurance, wallet; from 22 Jul 2026 also on FASTag, railway, government and education |
| Spends that earn nothing | EMI transactions |
| Milestone benefitsunverified | 5,000 BluChip voucher each at Rs 2, 5, 8, 10 and 12 lakh annual spend (max 25,000) |
| Reward notes | BluChips credited only after the due date if the minimum amount due is paid; otherwise the cycle's BluChips lapse (from July 2026). base_return_pct null because the bank states no BluChip value. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 0% |
| Other freebiesunverified | Trip cancellation cover up to Rs 25,000 twice a year; air accident cover Rs 1 crore |
Charges and eligibility
| Interest per monthunverified | 3.85% |
|---|---|
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
| Cash advance fee | Rs 199 per transaction |
| Fine-print notes | Issuer listing confirms the Rs 4,999 fee, zero forex markup, a 25,000 BluChips voucher headline and two cards (Mastercard + RuPay) on one limit. Dedicated issuer page not read. |
Questions
- What is the annual fee of the IndiGo IDFC FIRST Dual Card?
- Rs 4,999 a year, before GST.
- Does the IndiGo IDFC FIRST Dual Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IndiGo IDFC FIRST Dual Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IndiGo IDFC FIRST Dual Card?
- EMI transactions