Best Credit Card for Flight Booking

All Benefits

  • Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flight bookings via IndiGo website and app
  • Up to 25,000 bonus IndiGo BluChips annually through milestone spends at ₹2L, ₹5L, ₹8L, ₹10L, and ₹12L
  • 5,000 IndiGo BluChips voucher and 6E Eats meal voucher on joining and renewal
  • Trip cancellation cover up to ₹25,000 per year on non-refundable flights and hotels
  • 1.49% forex markup on international transactions

Fees

Joining Fee The joining fee is not offset by any bonus or credit.
₹5,899
₹4,999 + GST
Annual Fee The annual fee is not waived under any spending conditions.
₹5,899
₹4,999 + GST

Eligibility

Age
21-65 years
Salary
₹1L / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 1.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (1.49%): ₹100 → ₹1.49 ₹1,000 → ₹14.90 ₹10,000 → ₹149 ₹1,00,000 → ₹1,490
1.49%
Finance Charges (APR) Finance charges of 0.71% to 3.85% per month (8.52% to 46.20% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.85%
ATM Withdrawal A flat fee of ₹199 is charged per cash advance transaction using the credit card
₹199
Reward Redemption No fee is charged when redeeming reward points on this card. IndiGo BluChips are redeemable against IndiGo flight bookings via the IndiGo BluChip account
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to a minimum of ₹249 per transaction
1%
Cheque Payment No fee is charged for outstation cheque processing
Not Applicable
Cash Payment No fee is charged for payments made by depositing cash at IDFC FIRST Bank branches
Not Applicable

Late Payment Charges

Amount dueFee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹5,000₹750
₹5,001 – ₹8,000₹1,200
₹8,001 – ₹10,000₹1,300
Above ₹10,000₹1,300

Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure. An additional charge of ₹100 applies if MAD remains unpaid for two consecutive billing cycles, and continues until MAD is cleared

Reward Exclusions

EMI TransactionsCash Advances

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms