Key Features & Benefits
- ✦22+ BluChips per ₹100 on IndiGo website/app bookings (accelerated rate)
- ✦BluChips redeemable for IndiGo flights, upgrades, add-ons
- ✦Dual card — Mastercard for domestic/international use + RuPay for UPI
- ✦4 complimentary domestic lounge visits per quarter (16/year)
- ✦2 complimentary international lounge visits per quarter (8/year)
- ✦1.49% forex markup — competitive for an airline card
- ✦Trip cancellation cover ₹50,000 (twice/year)
- ✦2 complimentary golf rounds per month (Mastercard)
- ✦6E Prime Add-On on joining — seat selection complimentary
- ✦Buy 1 Get 1 movie tickets
- ✦Reward Points / BluChips never expire
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Welcome & Joining Benefits
- ✦Complimentary IndiGo flight ticket as joining benefit
- ✦6E Prime Add-On complimentary on joining
- ✦Trip cancellation cover ₹50,000 twice a year
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓22+ BluChips on IndiGo — best IndiGo earning rate available
- ✓Dual card is unique — covers UPI + international card needs in one application
- ✓1.49% forex — competitive for a travel card
- ✓16 domestic lounge visits/year — generous for ₹4,999 fee
- ✓Trip cancellation cover — valuable for frequent flyers
✗ Disadvantages
- ✗₹4,999 annual fee with no waiver
- ✗BluChips only redeemable on IndiGo — ecosystem lock-in
- ✗1.49% forex — better than average but not zero like Mayura
Frequently Asked Questions
What are IndiGo BluChips?
BluChips are IndiGo's loyalty points since the relaunch of their loyalty program. They can be redeemed for IndiGo flight bookings, seat upgrades, 6E Prime add-ons, excess baggage, and fast-forward check-in. 1 BluChip value varies by redemption route.
How does the dual card work?
On approval, you receive two physical cards — one Mastercard (for swipe/chip transactions, international use, golf) and one RuPay (for UPI payments on PhonePe/GPay). Both draw from the same credit limit and earn BluChips.
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