Indigo IDFC First Dual Credit Card -Launched

[BhaiyaJi]

#Indigo IDFC First Dual Credit Card! (Reward Rate => 5% Bluechips! & No Exclusions!! )

Vouchers/benefits on joining & annual fee:

🔸Unsecured: ₹4,999 fee = 5,000 BluChips + meal voucher + EazyDiner + Postcard Hotel vouchers
🔸 Secured: ₹1L FD = no fee + EazyDiner + Postcard Hotel vouchers

Key Feature Highlights:

🔹 Earn IndiGo BluChips on all spends (excl. EMI, ATM) - redeem for flights ✅

🔹6 BluChips/₹100 on flight bookings via IndiGo app/website (up to 16 BluChips for higher loyalty tiers)

🔹0.5 BluChips/₹100 on rent, wallet, utility, insurance, fuel, UPI✅

🔹3 BluChips/₹100 on everything else. => 3% Rate✅

🔹3000 BluChips activation bonus on ₹1L spend in 90 days✅

🔹25,000 BluChips annual milestone bonus (across 5 slabs: ₹2L/₹5L/₹8L/₹10L/₹12L; 5K each) => 2% Rate

🔹2 Cards, 2 Networks: Mastercard + RuPay (for Intl, Domestic, UPI)

🔹Low forex markup: 1.49% on international spends
🔹Exclusions: no rewards on cash/EMI
🔹Trip Cancellation Insurance: Up to ₹25,000/year on flights/hotels

 

[BhaiyaJi]

So 5k + GST fee and no lounge access and only joining fee waiver on FD backed card. Product managers at IDFC have gone bonkers 😂

True no lounge for travel card 🤣 🤣 🤣

 

[BVCBVC is verified member.]

Missing Lounge access is a big miss. But decent cobranded card with Indigo unlike HDFC and Kotak. Open for applications, waiting for user reviews.

This card is replacing Club Vistara card, with dual network option. (Mastercard and Rupay)

 

[BVCBVC is verified member.]

2 ways to get the card. Second option seems better as we get both FD benefits and 0 Joining Fee. But need to see, about Credit Limit on FD cards.

 

[Bionick]

True no lounge for travel card 🤣 🤣 🤣

Bluechips are new chillar currency after intermiles. And the way Indigo ticket prices inflate while making a purchase is the greatest scam we all have experienced 😂

 

[BhaiyaJi]

about Credit Limit on FD cards.

They are providing 100% of FD as limit

 

[keerthirahul123]

FD based LTF looks a good option for people who wanna own for avg usage of this card. They don't need to think of waiver milestones

FD based is only FYF. Not LTF. Renewal fee applies after 1 year.

 

[BhaiyaJi]

FD based is only FYF. Not LTF. Renewal fee applies after 1 year.

Yes, will close the card in 3-4 months

 

[BVCBVC is verified member.]

Yes, will close the card in 3-4 months

But why ??

 

[pizza99]

Any updates on their cobranded card with Air India ?

 

[BVCBVC is verified member.]

They are providing 100% of FD as limit

What about FD and existing IDFC credit card holders??

 

[BhaiyaJi]

What about FD and existing IDFC credit card holders??

Didn;t get your question. I applied for FD based card and while applying did 1L FD. They have put lein on the FD and recieved 1L limit on the card. I already have 4 other IDFC card on shared limit of 7.2L

 

[BhaiyaJi]

But why ??

I just applied beacuse they are providing FD based FYF card. I dont travel much znd use Infinia points for flights

 

[BVCBVC is verified member.]

Didn;t get your question. I applied for FD based card and while applying did 1L FD. They have put lein on the FD and recieved 1L limit on the card. I already have 4 other IDFC card on shared limit of 7.2L

Okay. My question was what about FD backed card CL for existing IDFC card holders??

 

[EnthuCC]

Weird to see IDFC moving from LTF cards to paid and expensive cards.

 

[BhaiyaJi]

Weird to see IDFC moving from LTF cards to paid and expensive cards.

They reported a huge decline in profits this quarter.

 

[Bionick]

No one uses their cards anymore.

 

[pprakash11]

They are providing 100% of FD as limit

Can you check if already made FDs in IDFC Bank Account are eligible to take this card ? Or we have to create an entirely new FD ?

 

[saumilmadani]

From what I see, the government transactions will accrue 3 Blu chips per 100 transaction. So could be good option for tax payments.

 

[Gau₹av]

This is IDFC's new trend. Instead of designing balanced cards that aren't all LTF but not insanely priced either, they first went with LTF to gain market share, but devalued them to the point of making them a joke, now they come up with only ridiculously priced cards. Reward rate of their new overpriced cards does not even recover annual fees nor is there any waiver. Who knows what buffoon comes up with such products but I don't see these cards taking off. Everyone will take it FYF and close it. 🤭

 

[Amit_1]

From what I see, the government transactions will accrue 3 Blu chips per 100 transaction. So could be good option for tax payments.

Govt txn? Which website/app !