IDFC FIRST Bank and IndiGo Launch New 'IndiGo IDFC FIRST Dual Credit Card' with Mastercard and RuPay.

Banking & Finance

In August 2025, IDFC FIRST Bank Ltd., in collaboration with IndiGo Airlines, unveiled a co-branded dual network credit card named ‘IndiGo IDFC FIRST Dual Credit Card’. This innovative product aims to enhance travel and payment convenience by offering two cards—Mastercard and RuPay—under a unified credit limit and single billing structure.


      - The dual credit card is the first-of-its-kind offering by a private sector bank in India and a major airline. It provides users with both Mastercard and RuPay credit cards, enabling them to access wider domestic and international transaction networks with one credit limit.

      - Customers will receive a single consolidated monthly statement for transactions on both cards. This helps in better tracking of expenses and avoids confusion caused by multiple card bills.

      - The card carries a joining and annual fee of ₹4,999 (inclusive of GST). From the second year onwards, the same annual fee applies—unless the applicant chooses the FD-backed variant, which waives the fee upon maintaining a Fixed Deposit of at least ₹1 lakh with the bank."

Main Point :-   (i) A unique feature is the ability to set different Personal Identification Numbers (PINs) and separate transaction preferences for each card, enhancing security and offering greater user control.

      (ii) Additional benefits include a maximum air accident insurance cover of ₹1 crore and a personal accident cover of up to ₹10 lakh. The card also provides lost card liability coverage for up to ₹50,000.

(iii) The partnership blends IDFC FIRST Bank’s fintech-driven banking services with IndiGo’s massive travel network. It’s primarily designed for frequent flyers and digital-savvy consumers seeking flexibility across domestic (RuPay) and global (Mastercard) transactions.
About IDFC FIRST Bank Ltd.

MD & CEO: V. Vaidyanathan
Headquarter : Mumbai
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