IndiGo SBI Card ELITE
Updated 5 Jul 2026Source-linked
The IndiGo SBI Card ELITE is a premium co-branded credit card from SBI Card and IndiGo, with a joining fee of ₹4,999 + GST.
It earns up to 7 miles per ₹100 (≈3.1% value) on IndiGo spends in the form of indigo bluchips (miles).
Cardholders get 8 annual domestic + 6 annual international airport lounge access, plus 5,000 indigo bluchips welcome voucher + 1 6e eats voucher — renews every year on fee payment as a welcome benefit.
IndiGo SBI Card ELITE
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForTravel
- Reward TypeIndiGo BluChips (miles)
Rewards Rate
- 7 miles per ₹100 on indigo flights direct
- 3 miles per ₹100 on hotels travel
- Base 1.00% on other spends
Welcome Benefits
- 5,000 IndiGo BluChips welcome voucher + 1 6E Eats voucher — renews every year on fee payment
- 4 6E Prime Passes
Data verified 5 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
7 miles per ₹100 on indigo flights direct
3 miles per ₹100 on hotels travel
Base 1.00% 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
5,000 IndiGo BluChips welcome voucher + 1 6E Eats voucher — renews every year on fee payment
Milestone Rewards
- ₹3,00,000 / annual: 6,000 IndiGo BluChips bonus voucher
- ₹6,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher
- ₹9,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher
- ₹12,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher
Domestic Lounge Access
8 visits each annual on making spends of ₹1,00,000 in the previous quarterly.
International Lounge Access
6 visits each annual.
Travel
Co-branded with IndiGo; 7 miles per ₹100 on indigo flights direct.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- other: ₹12,000
- lost card liability: ₹1,00,000
- baggage loss: ₹75,000
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₹135/mo
You spend ₹10,000 · earns 1.4% = ₹135 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.9% = ₹135/mo
- Groceries₹8,000 · 0.9% = ₹72/mo
- Dining & food delivery₹8,000 · 0.9% = ₹72/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹-31/yr₹4,968 rewards − ₹4,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded premium card by SBI Card and IndiGo.
- Joining / annual fee of ₹4,999 + GST.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual) + international (6/annual).
- Insurance cover bundled: other, lost card liability, baggage loss.
Pros & Cons
Pros
- Low forex markup of 1.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈3.1% on indigo flights direct.
Cons
- No annual-fee waiver option.
- No rewards on fuel spends.
₹5,000 welcome benefit
- 5,000 IndiGo BluChips welcome voucher + 1 6E Eats voucher — renews every year on fee paymentAnnual fee paid and first transaction within 60 days of account openingWindow: 60 days from issuance.
- 4 6E Prime PassesRs. 1,00,000 spend within 90 days of account openingWindow: 90 days from issuance.
Accelerated rewards
- 7 miles per ₹100 on indigo flights directMerchants: indigo-web, indigo-app7 IndiGo BluChips per ₹100 on flight bookings via IndiGo web/app. Card-side rate; the Elite product line bundles a higher card-share rather than relying on stacking.
- 3 miles per ₹100 on hotels travel3 BluChips per ₹100 on other travel and hotel bookings.
Capping rules
- No earning cap on the accelerated 7 BluChips/₹100 IndiGo App/Web earning per the IndiGo SBI Card ELITE T&C booklet clause 11 (retrieved 2026-07-05); the only per-statement limit is the ₹400 fuel-surcharge waiver, unrelated to rewards. High confidence.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- rent
- government
- utilities
- insurance premiums
Milestone benefits
- ₹3,00,000 / annual: 6,000 IndiGo BluChips bonus voucher (≈ ₹6,000 value)
- ₹6,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher (≈ ₹6,000 value)
- ₹9,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher (≈ ₹6,000 value)
- ₹12,00,000 / annual: Additional 6,000 IndiGo BluChips bonus voucher (≈ ₹6,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
Unlocks after ₹1,00,000 / quarterly spend.
8 complimentary domestic lounge visits per year, activated by ₹1,00,000 spend per quarter.
International
6 visit(s) / annual. Via priority-pass.
6 complimentary international lounge visits per year via Priority Pass.
Insurance benefits
- other: ₹12,000Up to 4 free IndiGo flight cancellation claims per year, ₹3,000 each.
- lost card liability: ₹1,00,000
- baggage loss: ₹75,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹400 per monthly.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.
Issued only to existing IndiGo BluChip members.