Cards / IDFC FIRST

Joining fee

₹4,999

Annual fee

₹4,999

Waiver spend

–

Forex markup

0%

Fee waiver

No spend-based waiver listed by the bank.

Recent changes

• 9 September 2026Better for you

  Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.

  Source

• 18 June 2026Worse for you

  Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 6 BluChips per ₹100 on IndiGo flights (plus tier bonus from IndiGo)
• 0.5 BluChips per ₹100 on insurance, fuel, utilities, rent, wallet, education and railways
• 3 BluChips per ₹100 on other spends

Points

IndiGo BluChips, worth about ₹1 each on the usual redemption.

Who can apply

• Age 18+

Joining fee is ₹0 if you apply with an IDFC FIRST Bank fixed deposit of ₹50,000 instead

Published minimums. Approval is the bank's decision.

Some values on this page are not yet confirmed against the bank's terms. Check the bank's own page before you rely on them.

Taken from the bank's page. Rules data version 2026.10.04.

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