Indigo IDFC First Credit Card 2025
Save up to ₹8,000+ every year on flights, food delivery & lounge access!
Love IndiGo flights + Swiggy orders? The Indigo IDFC First Credit Card is made for you!
Get 5% rewards on IndiGo flights, 10% on Swiggy + dining, 4 domestic lounge visits, 1.5% forex fee, 1.5% on all other spends, milestone vouchers (₹1,500/quarter), just ₹199 fee, and lifetime free possible!
Best card for frequent IndiGo flyers + foodies!
Why This Is The Best Travel & Dining Card in 2025?
5% flight rewards • 10% Swiggy • 4 lounge visits • Low 1.5% forex • ₹1,500 quarterly vouchers • 45 days interest-free • LTF possible.
Best for: IndiGo travelers, Swiggy users, food lovers, budget travelers
Card At a Glance
₹199 + GST
₹199 + GST (LTF possible)
5% on IndiGo
10% Cashback
4 Domestic/Year
1.5% + GST
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST (waived on spend) |
| Welcome Benefit | ₹500 IndiGo voucher on activation |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 1.5% + GST |
| Interest Rate | 3.5% per month |
| Lounge Access | 4 visits/year (domestic) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 5% Rewards on IndiGo flights (as 6E Rewards)
- 10% Cashback on Swiggy + dining (up to ₹150/month)
- 3X Points (1.5% value) on all other spends
- Milestone Benefits: ₹500 at ₹20K, ₹1,000 at ₹50K quarterly
- 1 point = ₹0.25 cashback/vouchers/6E Rewards
- No expiry on points
- No points on rent, wallet, fuel, government
Airport Lounge Access
- 4 complimentary visits/calendar year
- Domestic lounges only
- Primary + add-on cardholder
- Quarterly limit: 1 visit/quarter
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh emergency hospitalization
- Zero lost card liability
- 2 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on IndiGo flights (direct 6E Rewards) | Only 4 lounge visits (1/quarter) |
| 10% Swiggy + dining cashback | Swiggy cap ₹150/month |
| Low 1.5% forex fee | No fuel waiver |
| ₹1,500+ quarterly milestone vouchers | 3.5% high interest rate |
| Super low ₹199 fee + LTF | IndiGo flight focused only |
Eligibility Criteria & Documents Required
- Age: 21-65 years
- Min Monthly Income: ₹25,000
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/Bank statements
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Bank website/app
- Fill basic details & check pre-approval
- Video KYC verification
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you fly IndiGo 4+ times/year + order from Swiggy regularly, get ₹7,000–₹12,000 value yearly. Best budget travel card for IndiGo loyalists – top pick for 2025!
Frequently Asked Questions (FAQs)
5% on all IndiGo flights?
Yes, direct 6E Rewards credited to your IndiGo account.
Swiggy cashback limit?
₹150/month on Swiggy + partner dining.
Lounge access timing?
1 visit per quarter (total 4/year).
Can I get LTF?
Yes, possible based on profile/relationship.