IndiGo Airlines and IDFC FIRST Bank have announced the launch of the IndiGo IDFC FIRST Credit Card, which integrates both Mastercard and RuPay networks in a single application. The card is intended to provide wider acceptance for transactions across various payment platforms.
According to the companies, the card includes features such as rewards on IndiGo flight bookings, milestone spending, and everyday purchases, along with travel-related benefits including trip cancellation cover and low forex markup. The launch is also expected to expand the IndiGo BluChip loyalty program by providing additional avenues for earning points through routine transactions.
The bank stated that the card is designed with accessibility in mind, offering an option to link a fixed deposit for assured approval while maintaining credit risk management standards. The launch reflects the institutions’ stated focus on customer-centric financial products and leveraging digital and technology platforms.
The credit card can be applied for either by paying a ₹4,999 joining fee or by linking a ₹1 lakh fixed deposit, which provides an option for zero joining fee. According to the issuing company, cardholders who choose the joining fee route are eligible for a set of welcome vouchers, while additional rewards are available based on spending thresholds within specific timeframes. The card also provides a structure of earn rates on IndiGo flight bookings and other spending, and includes travel-related features such as forex markup, trip cancellation cover, and travel insurance, as stated by the company.
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.”
.jpg)
.jpg)
