IndiGo SBI Card VS SBI Card MILES VS Etihad Guest SBI Credit Card VS IndiGo SBI Card Elite
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndiGo SBI Card
SBI Card MILES
Etihad Guest SBI Credit Card
IndiGo SBI Card Elite
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
High earning rate of Travel Credits, particularly on travel expenditures.
Includes complimentary access to both domestic and international airport lounges.
Features a competitive foreign currency mark-up charge of 3% on international transactions.
Offers an annual fee waiver based on a reasonable annual spend threshold.
Provides valuable milestone benefits, including bonus travel credits and additional lounge access.
Pros
Key benefits and features.
Enjoy a high reward rate on all Etihad Airways bookings made directly via their platform.
Receive generous welcome benefits including Etihad Guest Miles and complimentary Silver tier status.
Access comprehensive travel benefits like domestic lounge visits and Priority Pass membership.
Benefit from useful insurance covers, including air accident, lost baggage, and fraud liability.
Get your annual fee waived by achieving a reasonable spend milestone in the preceding year.
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.
Lacks specific offers or benefits related to movies or dining.
The card does not provide any specific insurance benefits or coverage.
Travel Credits do not accrue on essential spends like fuel, utilities, and insurance.
Varying redemption values for Travel Credits, with lower value for catalog products.
Cons
Key drawbacks and limitations.
Reward rates are lower for general spends compared to international or Etihad-specific transactions.
The 1% fuel surcharge waiver is capped at Rs. 250, limiting benefits for high fuel spenders.
A significant foreign currency markup of 3.5% plus taxes applies to all international transactions.
Beware of the high interest rate of 3.5% per month on any outstanding or unpaid balances.
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.