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Credit Cards · India

IndiGo SBI Card

Updated 5 Jul 2026Source-linked

The IndiGo SBI Card is a mid co-branded credit card from SBI Card and IndiGo, with a joining fee of ₹1,499 + GST.

It earns up to 19 miles per ₹100 (≈8.6% value) on IndiGo spends in the form of indigo bluchips (miles).

Cardholders get 4 annual domestic airport lounge access, plus 2,500 indigo bluchips welcome voucher — renews annually on fee payment as a welcome benefit.

SBI Card logo
IndiGo SBI Card
Visa logo
  • Joining Fee₹1,499
  • Annual Fee₹1,499
  • Best Suited ForTravel
  • Reward TypeIndiGo BluChips (miles)
Rewards Rate
  • 19 miles per ₹100 on indigo flights direct
  • 2 miles per ₹100 on hotels travel
  • Base 0.50% on other spends
Welcome Benefits
  • 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Data verified 5 Jul 2026 — see our methodology
SBI Card logoSBIVisa logosignaturemidCo-brand · IndiGo ↗
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Rewards and Benefits

Rewards Rate
19 miles per ₹100 on indigo flights direct
2 miles per ₹100 on hotels travel
Base 0.50% on other spends.
Reward Redemption
IndiGo flights + 6E Prime add-ons: IndiGo BluChip floats ~Rs0.40-0.60 toward IndiGo fares (min 500); no fixed value.
Welcome Benefits
2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
Milestone Rewards
  • ₹2,00,000 / annual: 2,500 IndiGo BluChips bonus voucher
  • ₹4,00,000 / annual: 2,500 IndiGo BluChips bonus voucher
  • ₹6,00,000 / annual: 2,500 IndiGo BluChips bonus voucher
Domestic Lounge Access
4 visits each annual on making spends of ₹50,000 in the previous quarterly.
International Lounge Access
N/A
Travel
Co-branded with IndiGo; 19 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Travel & hotels₹90/mo

    You spend ₹10,000 · earns 0.9% = ₹90 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.5% = ₹68/mo
  • Groceries₹8,000 · 0.5% = ₹36/mo
  • Dining & food delivery₹8,000 · 0.5% = ₹36/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹1,255/yr

₹2,754 rewards − ₹1,499 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹200 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded mid card by SBI Card and IndiGo.
  • Joining / annual fee of ₹1,499 + GST.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (4/annual).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈8.6% on indigo flights direct.
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • 2,500 IndiGo BluChips welcome voucher — renews annually on fee payment
    Annual fee paid and first transaction within 60 days of account opening
    Window: 60 days from issuance.

Accelerated rewards

  • 19 miles per ₹100 on indigo flights direct
    Merchants: indigo-web, indigo-app
    Receipt-visible total can reach ~19 BluChips per ₹100 on IndiGo bookings via app/web. Of that, ~3 is the card's own contribution; the remainder (BluChip baseline + channel bonus + tier) comes from the loyalty programme and is stacked at calculator time via loyalty_program: indigo-bluchip.
  • 2 miles per ₹100 on hotels travel
    Card-side reward denominated in BluChips but does not stack with IndiGo programme earn (hotels don't earn BluChips just from holding the card).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • rent
  • government
  • utilities
  • insurance premiums

Milestone benefits

  • ₹2,00,000 / annual: 2,500 IndiGo BluChips bonus voucher (≈ ₹2,500 value)
  • ₹4,00,000 / annual: 2,500 IndiGo BluChips bonus voucher (≈ ₹2,500 value)
  • ₹6,00,000 / annual: 2,500 IndiGo BluChips bonus voucher (≈ ₹2,500 value)

Airport lounge access

Domestic
4 visit(s) / annual.
Unlocks after ₹50,000 / quarterly spend.
4 complimentary domestic lounge visits per year (max 1 per quarter) on Rs. 50,000 spend in the previous quarter.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹200 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹3,60,000 p.a.
Income (self-employed)
₹3,60,000 p.a.

Eligibility requires active IndiGo BluChip membership.

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