IndiGo IDFC FIRST Credit Card
IndiGo IDFC FIRST Credit Card from IDFC FIRST Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 4,999 | Reward type: Air Miles | Best for: Travel, Flights, Upi
Estimated value per Rs 100 of eligible spend.
IndiGo IDFC FIRST Credit Card Overview
IndiGo IDFC FIRST Credit Card is an IDFC FIRST Bank credit card. Base reward value is about Rs 1.35 per Rs 100 of eligible spend. Zlash checks boosted categories like flights, UPI, rent along with caps and exclusions.
Best For
IndiGo IDFC FIRST Credit Card is most useful when your spends regularly fall into flights, UPI, rent.
Rewards
flights
7.33x the base reward rate.
UPI
0.17x the base reward rate.
rent
0.17x the base reward rate.
utility bills
0.17x the base reward rate.
insurance
0.17x the base reward rate.
wallet reloads
0.17x the base reward rate.
Not Good For
- Spends in excluded categories such as emi transactions.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 3,000 and a dining membership component and voucher-based benefits.
Lifestyle Benefits
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1.49% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 2,00,000 in a yearly period for benefit value around Rs 2,250.
- Spend Rs 5,00,000 in a yearly period for benefit value around Rs 2,250.
- Spend Rs 8,00,000 in a yearly period for benefit value around Rs 2,250.
- Spend Rs 10,00,000 in a yearly period for benefit value around Rs 2,250.
- Spend Rs 12,00,000 in a yearly period for benefit value around Rs 2,250.
Zlash Verdict
Choose this card when travel, flights, upi match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IndiGo IDFC FIRST Credit Card?
The listed annual fee is Rs 4,999.
What is IndiGo IDFC FIRST Credit Card best used for?
IndiGo IDFC FIRST Credit Card is most useful when your spends regularly fall into flights, UPI, rent.
Does IndiGo IDFC FIRST Credit Card have reward exclusions?
Yes. The extracted exclusions include emi transactions.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.