SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for indigo, flights, and travel.
Why it can work
It combines a low 1.49% forex markup, accelerated rewards on indigo flight bookings, and milestone rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many indigo bluchips you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
How you earn it
| Category | Monthly spend | Indigo Bluchips/yr |
|---|---|---|
| Flight bookings | Rs 5,000 | 3,600 |
| Fuel | Rs 3,000 | 180 |
| Utility bills | Rs 3,000 | 180 |
| UPI payments | Rs 5,000 | 300 |
| Other spends | Rs 8,000 | 2,880 |
| Rent | Rs 5,000 | 300 |
| Insurance | Rs 2,000 | 120 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for IndiGo Flight Bookings
6 IndiGo BluChips per INR 100 spent
Best for international spends
A low 1.49% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns indigo bluchips you can put toward flights, hotels, or transfer partners.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| IndiGo flight bookings | 6 IndiGo BluChips per INR 100 spent |
| Other eligible retail spends | 3 IndiGo BluChips per INR 100 spent |
| UPI, insurance, utilities, fuel, rent, and wallet spends | 0.5 IndiGo BluChips per INR 100 spent |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- EMI transactions
- Cash withdrawal / cash advance transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Dual credit card issued on Mastercard and RuPay networks
- Welcome benefit of 5,000 IndiGo BluChips voucher plus 1 complimentary IndiGo meal voucher upon fee payment
- Activation bonus of 3,000 IndiGo BluChips on spending Rs 1 Lakh or more within the first 90 days
- Complimentary Mastercard World/Elite privileges including golf rounds/lessons (4 rounds and 12 lessons annually)
- Low forex markup of 1.49%
- Up to Rs 25,000 reimbursement per year for non-refundable flight and hotel cancellations
- RuPay network card enables UPI payments
Eligibility
Check this before you apply.
Salaried
- Age: 21 to 65 years
- Minimum net monthly salary of Rs 1,50,000 for unsecured variant
- FD-backed variant available with minimum Fixed Deposit of Rs 1 Lakh
Self-employed
- Age: 21 to 65 years
- Minimum annual ITR of Rs 18,00,000 for unsecured variant
- FD-backed variant available with minimum Fixed Deposit of Rs 1 Lakh
Compare before you decide
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