Pravin2407
KF Rookie
IDFC FIRST and IndiGo launched a dual-network credit card that looks promising on the surface. But once you see into the details, it starts to feel average one. Here's why:
- No lounge access despite being a travel-focused, airline co-branded card.
- High joining fee of ₹4,999 + GST, with limited value unless you hit ₹1L spend in 90 days.
- BluChips reward system lacks transparency and consistency in redemption value.
- UPI spends earn just 0.5 BluChips per ₹100, which is negligible.
- No rewards on EMI, cash transactions, or wallet loads.
- Activation process is clunky—both RuPay and Mastercard variants need separate setup.
- Shared credit limit across both cards, but no real synergy in usage.
- Insurance perks are decent but not game-changing for the fee charged.
- FD variant offers weaker welcome benefits compared to the paid version.
- No fuel surcharge waiver beyond ₹5,000 spend cap.
