State Bank of IndiaIn partnership with IndiGoIndiGo SBI Card Elite – Benefits, Fees & Eligibility
Is the IndiGo SBI Card Elite Right for You?
The IndiGo SBI Card Elite is best suited for users who prioritize Travel, Premium. With a joining fee of ₹4,999 + GST and a renewal fee of ₹4,999 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Air Miles as its primary reward mechanism, with a rewards rate of Up to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends..
Key Card Details
₹4,999 + GST
₹4,999 + GST
Air Miles
Up to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends.
Notable Perks
Welcome Offer
5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher, and 4 6E Prime Passes on specific spends.
Domestic Lounge Access
8 complimentary visits per year (max 2 per quarter).
International Lounge Access
6 complimentary visits per year (max 2 per quarter).
Insurance Coverage
Lost Card Liability up to ₹1 Lakh, Lost Baggage up to ₹75,000.
Fuel Surcharge Waiver
1% waiver on transactions ₹500-₹4,000, max ₹400 waiver per statement cycle.
Milestone Benefits
Earn 6,000 IndiGo BluChips vouchers on spends of ₹3L, ₹6L, ₹9L, and ₹12L annually.
Lounge Access Spend Condition
Requires ₹1,00,000 spend in preceding calendar quarter for domestic lounge access.
Things to Consider
High annual fees of ₹4,999 plus taxes, without an explicit spend-based waiver.
Lounge access requires a significant quarterly spend condition for domestic visits.
Rewards are primarily tied to IndiGo, limiting flexibility for other airline preferences.
Benefits & Features
Welcome Offer
5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher, and 4 6E Prime Passes on specific spends.
Rewards Rate
Up to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends.
Reward Type
Air Miles
Reward Redemption
Redeemable for flights/services on IndiGo App or Website.
Domestic Lounge Access
8 complimentary visits per year (max 2 per quarter).
International Lounge Access
6 complimentary visits per year (max 2 per quarter).
Insurance Coverage
Lost Card Liability up to ₹1 Lakh, Lost Baggage up to ₹75,000.
Travel Benefits
Free flight cancellations (4/year up to ₹3,000 each) and exclusive IndiGo benefits.
Milestone Benefits
Earn 6,000 IndiGo BluChips vouchers on spends of ₹3L, ₹6L, ₹9L, and ₹12L annually.
Lounge Access Spend Condition
Requires ₹1,00,000 spend in preceding calendar quarter for domestic lounge access.
Card Network
Mastercard, RuPay
Fees & Charges
Joining Fee
₹4,999 + GST
Renewal Fee
₹4,999 + GST
Fuel Surcharge Waiver
1% waiver on transactions ₹500-₹4,000, max ₹400 waiver per statement cycle.
Add-on Card Fee
Nil
Pros & Cons
Pros
Key benefits and features of this card.
Excellent rewards program for IndiGo loyalists, earning up to 7 BluChips per ₹100 spent.
Generous welcome benefits including BluChips vouchers and 6E Prime Passes.
Complimentary domestic and international lounge access enhances travel comfort significantly.
Valuable milestone benefits provide substantial BluChips vouchers on reaching spend targets.
Includes useful travel insurance benefits like flight cancellation and lost baggage cover.
Cons
Key drawbacks and limitations of this card.
High annual fees of ₹4,999 plus taxes, without an explicit spend-based waiver.
Lounge access requires a significant quarterly spend condition for domestic visits.
Rewards are primarily tied to IndiGo, limiting flexibility for other airline preferences.
No explicit mention of foreign currency markup, which could be a hidden cost for international travel.
Excludes utility, government, rental, and fuel transactions from earning reward points.
Product Details
Available on both Mastercard and RuPay networks for wider acceptance.
Features Tap & Pay contactless technology for quick and secure payments.
Offers Flexipay EMI option to convert large purchases into easy installments.
Allows balance transfer from other credit cards to manage finances better.
Provides add-on cards for family members above 18 years of age.
Globally accepted at over 24 million outlets, including 3.25 lakh in India.
Benefits & Features
Welcome Offer
5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher, and 4 6E Prime Passes on specific spends.
Rewards Rate
Up to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends.
Reward Type
Air Miles
Reward Redemption
Redeemable for flights/services on IndiGo App or Website.
Domestic Lounge Access
8 complimentary visits per year (max 2 per quarter).
International Lounge Access
6 complimentary visits per year (max 2 per quarter).
Insurance Coverage
Lost Card Liability up to ₹1 Lakh, Lost Baggage up to ₹75,000.
Travel Benefits
Free flight cancellations (4/year up to ₹3,000 each) and exclusive IndiGo benefits.
Milestone Benefits
Earn 6,000 IndiGo BluChips vouchers on spends of ₹3L, ₹6L, ₹9L, and ₹12L annually.
Lounge Access Spend Condition
Requires ₹1,00,000 spend in preceding calendar quarter for domestic lounge access.
Card Network
Mastercard, RuPay
What matters, explained clearly
Introduction
The IndiGo SBI Card ELITE, issued by SBI Card, is a premium travel-focused credit card designed for frequent flyers of IndiGo. Available on the MasterCard and RuPay networks, this card offers a rewarding travel experience with exclusive perks such as welcome IndiGo BluChips vouchers, milestone benefits for significant spends, and complimentary domestic and international airport lounge access.
Welcome Benefits
- Receive a 5,000 IndiGo BluChips Voucher and 1 6E Eats Voucher upon annual fee payment and the first transaction within 60 days of account opening.
- Get 4 6E Prime Passes on spends of Rs. 1,00,000 within 90 days of account opening.
- IndiGo BluChips Vouchers can be redeemed on the IndiGo App or Website.
Fees & Charges Breakdown
- Joining Fee: Rs. 4,999 + applicable taxes.
- Renewal Fee (per annum): Rs. 4,999 + applicable taxes.
- Add-on Card Fee (per annum): Nil.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.
- Maximum Fuel Surcharge Waiver: Rs. 400 per statement cycle, per credit card account.
Rewards & Cashback Structure
- Earning Rate:
- Earn 7 IndiGo BluChips on every Rs. 100 spent on the IndiGo App and Website.
- Earn 3 IndiGo BluChips on every Rs. 100 spent on Hotel/Lodging and Travel MCCs (Merchant Category Codes).
- Earn 2 IndiGo BluChips on every Rs. 100 spent on all other categories (excluding Utility, Govt Transactions, Rental, Fuel, Gaming, Cross-Sell, and Insurance MCCs).
- Milestone Benefits:
- Receive a 6,000 IndiGo BluChips Voucher on spends of Rs. 3 lakhs.
- Receive a 6,000 IndiGo BluChips Voucher on spends of Rs. 6 lakhs.
- Receive a 6,000 IndiGo BluChips Voucher on spends of Rs. 9 lakhs.
- Receive a 6,000 IndiGo BluChips Voucher on spends of Rs. 12 lakhs.
- Redemption: IndiGo BluChips Vouchers can be redeemed on the IndiGo App or Website.
- Point Crediting: IndiGo BluChips will be auto-credited to the cardholder's IndiGo Bluchip Account on every statement cycle.
Travel, Lounge & Lifestyle Perks
- Domestic Lounge Access: Enjoy 8 complimentary Domestic Airport Lounge visits in a year, with a maximum of 2 visits per quarter, subject to spends of Rs. 1,00,000 in the last quarter.
- International Lounge Access: Enjoy 6 complimentary International Lounge visits in a year, with a maximum of 2 visits per quarter.
- 6E Prime Passes: Receive 4 6E Prime Passes on spends of Rs. 1,00,000 within 90 days of account opening.
- Insurance Benefits:
- Benefit from 4 free flight cancellations per year, each up to Rs. 3,000.
- Receive a Lost Card Liability cover of up to Rs. 1 lakh.
- Benefit from a Lost Baggage cover of up to Rs. 75,000.
Important Product Details
- Contactless Advantage: The card offers Tap & Pay functionality for effortless, fast, convenient, and secure everyday payments.
- Global Acceptance: The card is accepted at over 24 million outlets globally, including 3,25,000 outlets in India, wherever MasterCard or RuPay is accepted.
- Flexipay EMI: Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs.
- Add-on Cards: Add-on cards are available for family members including parents, spouse, children, or siblings above the age of 18.
- Balance Transfer on EMI: Transfer outstanding balances from other banks’ credit cards to your IndiGo SBI Card ELITE at a lower interest rate and repay in easy EMIs.
Other Details
- Renewal Benefit: Receive a 5,000 IndiGo BluChips Voucher and 1 6E Eats Voucher post Annual Fee payment.
- All taxes would be charged as applicable on all fees, interest, and charges.
- The value proposition of the co-brand product may be funded jointly by SBI Card and IndiGo.
- Continued use of the card will be deemed acceptance of amendments in all Terms and Conditions.
- For assistance, contact the SBI Card Helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
- Cheques payable outside clearing zones are not accepted; only local cheques or drafts payable in Delhi are accepted for payment.
- SBI Card may engage agents and/or third parties for marketing, sales, or other related services.
Frequently Asked Questions
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