IndiGo and IDFC FIRST Bank Launch Co-Branded Credit Card

IndiGo and IDFC FIRST Bank have 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 foreign exchange 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 programme 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 available 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 Rs 4,999 joining fee or application with a Rs one 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 Rs one lakh within 90 days of card issuance
• Accelerated Earn Rates:
  Up to 22 BluChips/Rs 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 foreign exchange markup of just 1.49 per cent, 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 Rs 12 lakh (assuming 15 per cent 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.

Neetan Chopra, Chief Information & Digital Officer, IndiGo, said, "It is our endeavour 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.”

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."

Bhandari added, "Combined with a dual-networkcardpair, MastercardandRuPay, thecardensures widest acceptance across Indiaandglobally, with the added convenience of UPI for everyday spendsanda low forex markup of just 1.49 per cent for international use. It’s a truly inclusive, digital-first,andrewarding travelcardfor today’s generation of flyers.”

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.”