Core Insights - The IndiGo IDFC FIRST Bank Credit Card is a co-branded credit card that allows users to earn IndiGo BluChips, which can be redeemed for flight bookings, enhancing the travel experience for frequent IndiGo flyers [3][15]. Features and Benefits - The card offers BluChips on all eligible spends, including groceries, dining, and travel, with specific earning rates for different categories [4][8]. - Cardholders receive two card variants (Mastercard and RuPay) with a shared credit limit, simplifying the billing process [4]. - A joining fee of Rs. 4,999 + GST is required, which includes a voucher of 5,000 BluChips and a complimentary meal voucher [5][6]. - The card has a low forex mark-up fee of 1.49%, significantly lower than the typical 3.5% charged by most credit cards [12]. Earning and Redemption of BluChips - Cardholders can earn up to 22 BluChips per Rs. 100 spent when booking flights directly through IndiGo's website or app [9][16]. - Annual bonus vouchers of up to 25,000 BluChips can be earned by reaching specific spending milestones [7][17]. - BluChips can be redeemed for both domestic and international flights, with no blackout date restrictions [11][9]. Market Context - As of July 2025, IndiGo holds a 65.20% market share in the Indian aviation sector, indicating a strong customer base for the credit card [1][15].