Card Image
IndiGo IDFC FIRST Secured
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.50 - ₹1.50
Normalized to balance base rate with bonus categories
Interest Rate
9.00%
Credit Score
600+
At a Glance
Key Benefits
3X points on IndiGo, secured against FD, 9% APR, build credit
Lounge Access
No lounge access
Eligibility
Secured card against FD, Age: 21-60, Min FD Rs.25,000
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
9.00% p.a.
#3
Forex Markup
3.50%
#75
Rewards/₹100
₹0.50 - ₹1.50
#166
Reward Type Reward Points
Reward Currency Points
Min Credit Score
600+
#8
Min Monthly Income ₹NaN
Network VISA
Cash Advance Fee 2.50% (min ₹300)
Late Payment Fee ₹500
Reward Structure
Base
All Spends
₹0.50 /₹100
Partner
IndiGo Bookings
₹1.50 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned1,100
Cash Value₹550
Breakdown
IndiGo Bookings900
Other Spends200
Total Value₹550
Quick amounts:
Quick Analysis
The IndiGo IDFC FIRST Secured is a straightforward lifetime free credit card from IDFC First Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Frequently Asked Questions
What is the annual fee for IndiGo IDFC FIRST Secured?
No, it is a lifetime free card.
Is there a joining fee for IndiGo IDFC FIRST Secured?
No, there is no joining fee.
What rewards does IndiGo IDFC FIRST Secured offer?
You can earn rewards worth up to ₹1.50 per ₹100 spent. The base reward rate is ₹0.50 per ₹100.
Does IndiGo IDFC FIRST Secured offer lounge access?
This card does not include complimentary lounge access.
What is the eligibility for IndiGo IDFC FIRST Secured?
To apply for IndiGo IDFC FIRST Secured, you need minimum age of 21 years, minimum monthly income of ₹15000, credit score of 600+.
User Reviews
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