Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee waived on Spend INR 2,00,000 in 12 months
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate0.75%-3.5% per month (9%-42% per annum (p.a.))
Late paymentINR 100-INR 1,000 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 199 + GST
Eligibility
Min income (salaried)INR 25,000/month
Min income (self-emp.)INR 3,50,000/year
Income requirementIncome Tax Return (ITR) > INR 4 lakh/year
Credit scoreGood (700 or above (CIBIL))
Age range21-65 years
Rewards & cashback
Welcome bonusUp to 25,000 IndiGo BluChips as milestone bonus
Bonus categoriesIndiGo flight bookings, Travel, Dining, Entertainment
Travel & lounge
Domestic loungeNo airport lounge access (confirmed gap - unusual for an airline co-brand; multiple sources flag this explicitly)
International loungeNo international lounge access
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceTravel insurance (INR 10 lakh on IndiGo flights)
Lifestyle
Dining benefits5-10% discount on dining via partner platforms
Fuel surcharge1% fuel surcharge waiver (capped INR 300/month)
ComplimentaryComplimentary travel insurance on IndiGo flights, Roadside Assistance
Special offersEarn & redeem BluChips on IndiGo flights, Birthday mile bonuses
AdditionalIndiGo airline miles accrual, Exclusive flight offers, Priority Pass membership
Credit limit & EMI
EMI optionsYes - SmartEMI with 5% cashback on first Equated Monthly Instalment (EMI)
Insurance & protection
Purchase protectionPurchase protection up to INR 75,000
Other insurancePersonal Accident INR 2 lakh, Air Accident INR 25 lakh on IndiGo flights
Coverage detailsTravel: INR 10 lakh, Personal Accident: INR 2 lakh, Air Accident on IndiGo: INR 25 lakh