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IndiGo SBI Card VS IndiGo SBI Card Elite

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 July 2026

Both IndiGo SBI Card and IndiGo SBI Card Elite suit travel-focused spenders, but they earn and cost differently. IndiGo SBI Card costs ₹1,499 + GST and earns 3 IndiGo BluChips on every Rs. 100 spent on IndiGo App and Web. 2 BluChips on hotels/travel. 1 BluChip on other spends. IndiGo SBI Card Elite costs ₹4,999 + GST and earns up to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends. IndiGo SBI Card also brings 4 complimentary Domestic Airport Lounge visits in a year. Maximum of 1 visit per quarter, while IndiGo SBI Card Elite counters with 8 complimentary visits per year (max 2 per quarter). If travel spending matters more, go with IndiGo SBI Card; if premium is the priority, IndiGo SBI Card Elite fits better.

IndiGo SBI Card
IndiGo SBI Card
IndiGo SBI Card Elite
IndiGo SBI Card Elite

Fees & Charges

Joining Fee₹1,499 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹1,499 + GST
Renewal Fee₹4,999 + GST
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusGet 2,500 IndiGo BluChips Voucher after paying annual fee and first transaction within 60 days.
Welcome Bonus5,000 IndiGo BluChips Voucher, 1 6E Eats Voucher, and 4 6E Prime Passes on specific spends.
Rewards Rate3 IndiGo BluChips on every Rs. 100 spent on IndiGo App and Web. 2 BluChips on hotels/travel. 1 BluChip on other spends.
Rewards RateUp to 7 IndiGo BluChips per Rs. 100 on IndiGo, 3 on travel, 2 on other spends.
Reward TypeAir Miles
Reward TypeAir Miles
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access4 complimentary Domestic Airport Lounge visits in a year. Maximum of 1 visit per quarter.
Domestic Lounge Access8 complimentary visits per year (max 2 per quarter).
International Lounge Access
International Lounge Access6 complimentary visits per year (max 2 per quarter).
Travel BenefitsDesigned for IndiGo frequent flyers with accelerated BluChips on IndiGo & travel spends.
Travel BenefitsFree flight cancellations (4/year up to ₹3,000 each) and exclusive IndiGo benefits.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver across all petrol pumps in India. Max waiver of Rs. 200 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹400 waiver per statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsLost Card Liability up to ₹1 Lakh, Lost Baggage up to ₹75,000.
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndiGo SBI Card

IndiGo SBI Card Elite

Who is it for?

The IndiGo SBI Card is a co-branded travel credit card tailored for frequent IndiGo flyers, offering accelerated IndiGo BluChips on airline and travel spends. Cardholders benefit from complimentary domestic airport lounge access and valuable milestone rewards in the form of IndiGo BluChips Vouchers. With a focus on travel perks, this card is ideal for individuals who regularly fly with IndiGo and seek to maximize their rewards and comfort on their journeys. It operates on the MasterCard/RuPay network, ensuring wide global acceptance for convenient transactions.

Who is it for?

The IndiGo SBI Card ELITE is a premium travel-focused credit card from SBI Card, tailored for frequent IndiGo flyers. It offers accelerated IndiGo BluChips on airline spends, generous welcome benefits, and valuable milestone rewards. Cardholders also enjoy complimentary domestic and international lounge access, along with essential travel insurance, making it an ideal choice for enhancing the IndiGo travel experience.

Pros

Key benefits and features.

Accelerated IndiGo BluChips on IndiGo and travel spends, ideal for frequent flyers.

Complimentary domestic airport lounge access, enhancing travel comfort and experience.

Generous milestone benefits with IndiGo BluChips Vouchers on reaching spend thresholds.

Nil add-on card fees, allowing family members to enjoy card benefits without extra cost.

Pros

Key benefits and features.

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.

Lounge access is conditional on quarterly spends, which might be restrictive for some users.

Rewards are specific to IndiGo BluChips, limiting redemption flexibility to one airline.

Annual and renewal fees are applicable without an explicit spend-based waiver condition.

No mention of international lounge access or foreign currency markup benefits.

Cons

Key drawbacks and limitations.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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