Earn a base 1 IndiGo BluChip per ₹100 on all eligible spends, 2 per ₹100 on grocery & dining, and 3 per ₹100 on IndiGo channels
Welcome & renewal vouchers of 1,200 BluChips each on joining annual fee payment plus milestone vouchers of 1,200 BluChips at ₹1.5 L and ₹3 L annual spends up to 4,800 BluChips a year
1 complimentary domestic airport lounge visit per quarter on ₹50,000 spends in the preceding 3 months
EMI conversion on transactions above ₹1,500
UPI earning capped at 750 BluChips/month IndiGo channel uncapped
Fees
Joining FeeVoucher worth 1,200 IndiGo BluChips credited on payment of the joining fee
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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 (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month 55.55% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged by the Bank when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway ticket
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions
1%
Cheque PaymentA fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹175 is charged for payments made by depositing cash at a bank branch
₹175
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹5000
₹500
₹5001 - ₹10000
₹750
Above ₹10000
₹1200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Government ServicesInsuranceUtility BillsRentWallets LoadsFuelJewelleryEMIBalance TransferCash Withdrawals
Terms & Conditions
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
