Best IndiGo Credit Cards in India (2026): BluChips & Benefits
Updated: 2026-07-05
Summary: IndiGo co-branded credit cards help frequent flyers accumulate IndiGo BluChips to redeem for flights and airline perks. Here is how they stack up side-by-side.
Recommended Cards in this Guide
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IndiGo IDFC FIRST Credit Card (Low Forex & UPI): A dual-network premium card featuring 1.49% forex markup and UPI support.
Fee: ₹4,999 · View Details -
IndiGo Axis Bank Premium Credit Card (High Earning Rate): Best for frequent flyer IndiGo loyalists who want high BluChips earn rates.
Fee: ₹5,000 · View Details -
IndiGo SBI Card ELITE (Travel Protections): Includes domestic and international lounge visits along with flight cancellation cover.
Fee: ₹4,999 · View Details
Understanding the IndiGo BluChip Loyalty Program
IndiGo has retired its legacy '6E Rewards' program and migrated all users to the new IndiGo BluChip frequent flyer ecosystem. BluChips have lifetime validity and can be redeemed directly for flights, seat selection, meals, and excess baggage on the IndiGo site.
Typically, 1 BluChip equals ₹1 value during redemption, though final value depends on specific routes, bookings, and fare classes.
Existing balances from the old 6E Rewards program were migrated with an 18% bonus to facilitate the transition.
How Axis Bank, Kotak, and SBI Card Variants Compare
**Axis Bank**: Offers the base IndiGo card (₹799 fee, 3x on IndiGo, 2x dining/groceries) and the premium IndiGo Premium card (₹5,000 fee, 7x on IndiGo, 3x dining/groceries). The premium card features complimentary lounge access and a huge welcome benefit of 5,000 BluChips.
**SBI Card**: Offers the standard IndiGo SBI Card (₹1,499 fee, 3x on IndiGo) and the IndiGo SBI Card ELITE (₹4,999 fee, 7x on IndiGo). The ELITE card stands out with international lounge visits (6/year) and comprehensive travel protections.
**Kotak Mahindra Bank**: Offers the standard IndiGo Kotak card (₹700 fee) and the IndiGo Kotak XL card (₹1,500 fee). Note that the XL variant is restricted to existing cardholders and new applications are currently closed.
The IDFC FIRST Dual Card Edge: 1.49% Forex & UPI
The **IndiGo IDFC FIRST Dual Credit Card** stands out as the most versatile card in the suite. For a joining/annual fee of ₹4,999 + GST (which can be waived by applying against a Fixed Deposit of ₹1 Lakh), you get two physical cards sharing a single credit limit: a Mastercard variant and a RuPay variant.
It offers a highly competitive forex markup of **1.49%**, which is significantly lower than the standard 3.50% markup charged by SBI, Axis, and Kotak. This makes it an excellent choice for international shopping or travel.
Additionally, the RuPay variant allows UPI spends to earn 0.5 BluChips per ₹100, letting you accumulate flight rewards even on minor local scan-and-pay transactions.
Travel Perks and Airport Lounge Access Compared
If airport lounge access is a priority, compare spend requirements carefully: Axis Bank's base card requires a ₹50,000 spend in the previous quarter, and SBI's base card has a similar ₹50k requirement.
In contrast, the premium Axis variant offers complimentary lounge access (8 domestic/year) without quarterly spend targets.
IDFC FIRST Bank's card offers the highest count of 16 domestic lounge visits per year, but requires a spend of ₹20,000 in the previous calendar month.
Frequently Asked Questions
- What is the value of 1 IndiGo BluChip?
- For flight redemptions, 1 IndiGo BluChip is generally valued at ₹1. This value can change depending on fare classes and seat selections.
- Do IndiGo BluChips expire?
- No. Under the current BluChip program, earned BluChips have lifetime validity and will not expire, unlike welcome vouchers which expire in 6 months.
- Which IndiGo credit card is best for international travel?
- The IndiGo IDFC FIRST Credit Card is the best choice for international travel due to its low forex markup of 1.49% compared to the standard 3.50% on other cards.
- Can I use my old 6E Rewards points?
- Yes. All old 6E Rewards points have been converted into IndiGo BluChips with a bonus, and are ready for redemption in the new loyalty dashboard.