IndiGo 6E Rewards
Base Rate
3%
Forex Markup
1.49%
Joining Fee
₹4,999
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹16,301
After ₹4,999 annual fee deduction
Base Rewards
₹21,300
Forex Net
+₹0
Milestones
₹0
Milestone Progress
Earn 10,000 bonus BluChips (worth ₹10,000) on spending ₹5L
Spend ₹5L annually
📝 Detailed Review
The CardVault Verdict
The IndiGo IDFC FIRST Dual Credit Card is a co-branded flight card. In a unique twist, it comes as two physical cards (Mastercard + RuPay) with a single credit limit. While it offers a staggering 22% yield on IndiGo bookings and a 3% general base rate, the lack of lounge access is a glaring omission for a ₹4,999 travel card.
Who Should Apply?
IndiGo loyalists who book several flights a year, spend enough to unlock milestone bonuses, and already have domestic/international lounge access via other credit cards.
Lounge Access
No Lounge Access
This card does not include complimentary lounge visits.
⚖️ Pros & Cons
✓Pros
- •Substantial 22.0% rewards return on booking flights via the IndiGo website/app
- •Exceptional 3.0% base reward rate on non-travel retail spending
- •Low forex markup of 1.49% + GST for a premium travel card
- •Dual-network package (Mastercard + RuPay) sharing a single credit limit and reward pool
✗Cons
- •No complimentary airport lounge access benefits
- •High annual fee (₹4,999 + GST) with no spend-based renewal waiver option
- •UPI and utility payments earn a low 0.5% rewards rate
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.