# IndiGo IDFC FIRST Credit Card

IDFC First Bank · Mastercard. ₹4,999 fee · 0% forex · 3 BluChips / ₹100 base (general/other spends).

verified · checked 28 June 2026 · Source: https://www.idfcfirst.bank.in/credit-card/indigo-credit-card

## How it earns (6)

- 3 BluChips / ₹100 base (general/other spends) · ✓ official · checked 25 August 2026
- 3 BluChips/₹100 on international spends until 25 October 2026 · international only · until 25 October 2026 · ✓ official · checked 14 October 2026
- 3 BluChips / ₹100 dining & entertainment · verified · checked 28 June 2026
- 1 BluChip/₹100 on international spends from 26 October 2026 · international only · ✓ official · checked 14 October 2026
- 0.5 BluChips/₹100 on insurance, fuel, utilities, rent, wallet · FASTag, railway, govt, education too from 22 Jul 2026 · verified · checked 28 June 2026
- 0.5 BluChips/₹100 on a gift card charged as a wallet load · brand gift vouchers earn base (IDFC FIRST does not name them) · ✓ official · checked 7 October 2026

## On gift vouchers

- ₹123 back on a ₹10,000 voucher bought direct. · 3 BluChips / ₹100 base (general/other spends)
- Vouchers for Gyftr and 1 more brands: ₹21, bought direct. · 0.5 BluChips/₹100 on a gift card charged as a wallet load · brand gift vouchers earn base (IDFC FIRST does not name them)

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No BluChips: cash, EMI

## Transfer partners (1)

- ALL Reward Points · 6 : 1 · 24-48 hours · ✓ official · checked 17 July 2026

## Fees

- Annual fee: ₹4,999 + GST
- Forex markup: Nil
- DCC markup: Nil
- Earns: IndiGo BluChip Miles · ₹0.45 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (3)

- Devaluation · 26 October 2026: IDFC FIRST IndiGo earns 1 BluChip per ₹100 abroad from 26 October (https://getbrief.cards/changes#idfc-indigo-intl-2026-10)
- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 22 July 2026: IndiGo IDFC FIRST cuts BluChips on FASTag, railway, govt & education (https://getbrief.cards/changes#idfc-indigo-deval-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/indigo-idfc-first