- IndiGo and IDFC FIRST Bank have launched a co-branded credit card combining the benefits of Mastercard and RuPay networks.
- The card rewards everyday spends with IndiGo BluChips, offering travel perks like low forex markup and insurance.
- Customers can join via a ₹4,999 fee or a ₹1 lakh fixed deposit, with milestone bonuses and guaranteed approval options.
IndiGo has partnered with IDFC FIRST Bank to introduce a co-branded credit card that combines the reach of both Mastercard and RuPay. The new offering is aimed at frequent flyers as well as everyday spenders, turning routine purchases into rewards that can be redeemed for flights.
The card, issued under a single application, is accepted across international merchants, domestic outlets and UPI transactions. Customers earn IndiGo’s BluChips loyalty points on every spend, with accelerated earnings on bookings made through the airline’s website and mobile app. Travel perks such as a low 1.49% forex markup, insurance cover, and trip cancellation protection are built in.
It is our endeavour 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.”
Neetan Chopra, Chief Information & Digital Officer, IndiGo
Applicants can either pay a joining fee of ₹4,999, receiving 5,000 BluChips and a complimentary 6E Eats meal voucher, or choose the fixed deposit route by placing ₹1 lakh with the bank, which waives the joining fee and guarantees approval. An additional 3,000 BluChips are on offer for those spending ₹1 lakh within the first 90 days.
The earning potential is significant. With annual spending of around ₹12 lakh, a customer could collect up to 85,000 BluChips, enough to cover multiple domestic or short-haul international flights. Milestone spends bring in further bonuses of up to 25,000 BluChips a year. For IndiGo, the move strengthens its BluChip program.
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 democratising 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.”
Network partners Mastercard and RuPay underlined the product’s dual advantage. Mastercard highlighted the combination of travel comfort, value and convenience, while NPCI said linking RuPay credit cards to UPI would make everyday payments more seamless and secure.
The application process is digital and straightforward, involving basic details, video KYC, and either a fee payment or funding of the fixed deposit. Customers then receive a welcome kit with both Mastercard and RuPay cards.
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.”
