| Joining/Annual Fee |
Lifetime Free | ₹799 | ₹5,000 | ₹700 | ₹1,500 | ₹1,499 | ₹4,999 | ₹4,999 |
| Annual Fee Waiver Spends |
N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Welcome Benefit |
- | 1,200 BluChips | 5,000 BluChips + 6E Eats voucher | 1,500 BluChips | 3,000 BluChips | 2,500 BluChips | 5,000 BluChips + 6E Eats voucher | 5,000 BluChips + 6E Eats voucher |
| Domestic Lounge Visits |
Unlimited | 4 visits/year (1 per quarter) | 8 visits/year (max 2 per quarter) | 4 visits/year (1 per quarter) | 8 visits/year (2 per quarter) | 4 visits/year (1 per quarter) | 8 visits/year (max 2 per quarter) | 16 visits/year (4 per quarter) |
| Spends for Lounge |
₹20K monthly | ₹50K in previous quarter | Complimentary | Complimentary | Complimentary | ₹50K in previous quarter | ₹1L in previous quarter | ₹20K in previous calendar month |
| Forex Markup |
0% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 1.49% |
| Education |
- | - | - | - | - | - | - | - |
| Fuel |
1% Surcharge Waiver (max ₹500/mo) | - | - | - | - | - | - | - |
| Jewelry |
- | - | - | - | - | - | - | - |
| Govt. Payments |
- | - | - | - | - | - | - | - |
| Insurance |
- | - | - | - | - | - | - | - |
| Offline Spends |
10% Scapia Coins (2% Value) | - | - | - | - | - | - | - |
| Online Spends |
20% Scapia Coins (4% Value on Travel) | - | - | - | - | - | - | - |
| Rent |
- | - | - | - | - | - | - | - |
| Utilities |
- | - | - | - | - | - | - | - |
| Wallets |
- | - | - | - | - | - | - | - |
| Amazon |
2% Value | - | - | - | - | - | - | - |
| Amazon Fresh |
2% Value | - | - | - | - | - | - | - |
| BigBasket |
2% Value | - | - | - | - | - | - | - |
| Blinkit |
2% Value | - | - | - | - | - | - | - |
| Flipkart |
2% Value | - | - | - | - | - | - | - |
| Flipkart Grocery |
2% Value | - | - | - | - | - | - | - |
| JioMart |
2% Value | - | - | - | - | - | - | - |
| Myntra |
2% Value | - | - | - | - | - | - | - |
| Ola |
2% Value | - | - | - | - | - | - | - |
| Swiggy |
2% Value | - | - | - | - | - | - | - |
| Rapido |
2% Value | - | - | - | - | - | - | - |
| Uber |
2% Value | - | - | - | - | - | - | - |
| Zomato |
2% Value | - | - | - | - | - | - | - |
| NPS |
- | - | - | - | - | - | - | - |
| Notes |
0% Forex Markup. Unlimited Domestic Lounge Access after ₹20K combined monthly spend. 5 Coins = ₹1. Redeemable for travel on Scapia App. Rewards removed on insurance/utilities from Feb 2026. | Annual renewal fee payment gives 1,200 BluChips benefit. Spends on fuel, utilities, rent, and insurance are excluded from rewards. | Annual renewal fee payment gives 5,000 BluChips benefit. Welcome benefit voucher is valid for 6 months. | RuPay variant supports UPI payments. Earning points on UPI requires RuPay network. | Currently restricted/discontinued for new applicants (existing cardholders retain terms). | Points earned are credited to the linked IndiGo BluChip member ID on monthly statement generation. | Includes flight cancellation cover (up to ₹3K) and lost baggage cover (up to ₹75K). | Can be obtained Lifetime Free (₹0 joining/annual fee) against a ₹1 Lakh Fixed Deposit. UPI spends supported via the RuPay variant. |
| International Lounge Visits |
- | - | 2 visits/year (via Priority Pass) | - | - | - | 6 visits/year (via Priority Pass) | 4 visits/year (via Priority Pass) |
| IndiGo Spends |
- | 3 BluChips per ₹100 | 7 BluChips per ₹100 | 3 BluChips per ₹100 | 6 BluChips per ₹100 | 3 BluChips per ₹100 | 7 BluChips per ₹100 | Up to 22 BluChips per ₹100 |
| Dining & Grocery Spends |
- | 2 BluChips per ₹100 | 3 BluChips per ₹100 | 2 BluChips per ₹100 | 3 BluChips per ₹100 | 2 BluChips per ₹100 | 3 BluChips per ₹100 | 3 BluChips per ₹100 |
| Other Spends |
- | 1 BluChip per ₹100 | 2 BluChips per ₹100 | 1 BluChip per ₹100 | 1.5 BluChips per ₹100 | 1 BluChip per ₹100 | 2 BluChips per ₹100 | 3 BluChips per ₹100 |
| UPI Spends |
- | - | - | 1 BluChip per ₹100 | - | - | - | 0.5 BluChips per ₹100 |
| Milestone Benefits |
- | Up to 2,400 BluChips annually | Up to 25,000 BluChips annually | Up to 2,000 BluChips annually | Up to 5,000 BluChips annually | Up to 7,500 BluChips annually | Up to 24,000 BluChips annually | Up to 25,000 BluChips annually |