Base reward rate: Earn 2 IndiGo BluChips per ₹100 on most spends, up to 7 BluChips per ₹100 on IndiGo spends.
Redemption options: IndiGo flights
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 4999
Annual fee: 4999
Pros
Excellent accelerated reward rate of 7% on IndiGo transactions (7 BluChips per ₹100) and a solid 3% on other travel and hotel spending.
Highly rewarding milestone program offering 6,000 IndiGo BluChips at every ₹3 lakh spend milestone, up to a total of 24,000 bonus BluChips annually.
Unique travel protection benefit providing 4 free flight cancellations per year, with a reimbursement of up to ₹3,000 per cancellation.
Low foreign currency markup fee of 1.99%, offering significant savings on international transactions compared to the standard 3.5%.
The welcome bonus of 5,000 IndiGo BluChips effectively cancels out the ₹4,999 joining fee, making the first year highly valuable.
Cons
The card has a mandatory annual fee of ₹4,999 with no option for a spend-based waiver, a feature commonly available on competing cards in this segment.
Airport lounge access is contingent on a high quarterly spend of ₹1 lakh, which can make the benefit inaccessible for moderate spenders despite the generous visit quotas.
The reward program excludes many common spending categories, including utilities, insurance, rent, and e-wallet loads, limiting rewards accumulation on non-travel expenses.
Best Use Case
Frequent IndiGo flyers seeking travel benefits, lounge access, and accelerated rewards on IndiGo bookings.