IndiGo SBI Card VS SBI ELITE Credit Card VS SBI Prime Credit Card VS SBI Card Miles Elite
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndiGo SBI Card
SBI ELITE Credit Card
SBI Prime Credit Card
SBI Card Miles 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.
The SBI ELITE Credit Card offers generous welcome benefits, including a ₹5,000 e-Gift Voucher.
Enjoy comprehensive lounge access with 2 domestic visits quarterly and 6 international visits annually.
The card provides extensive privileges across travel, dining, and shopping, making it a versatile choice.
Annual fee waiver on ₹10 lakhs annual spend is achievable for high spenders, offsetting the cost.
Excellent travel and lifestyle privileges cater perfectly to frequent travelers and luxury enthusiasts.
Pros
Key benefits and features.
Enjoy 8 complimentary domestic and 4 international airport lounge visits annually.
Offers an attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands.
The annual renewal fee can be waived upon achieving a minimum spend of ₹3 lakhs.
Offers exciting privileges across various lifestyle categories, including dining, entertainment, and golf.
Available in four variants (Mastercard, RuPay, Amex, VISA) with exclusive network benefits.
Pros
Key benefits and features.
Substantial welcome bonus of 5,000 Travel Credits on initial spends.
Extensive complimentary domestic and international airport lounge access.
Low foreign currency markup of 1.99% makes international spends economical.
Comprehensive travel insurance covers flight cancellations and baggage issues.
Available on RuPay network, enabling seamless UPI payments for convenience.
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.
The general reward rate of 0.5% on most spends is lower than some competing premium cards.
The high annual fee of ₹4,999 can be a drawback if the spend-based waiver condition is not met.
Add-on cardholders do not receive international lounge access, limiting benefits for family members.
The accelerated 10X reward points are capped monthly, limiting high earners from maximizing benefits.
Cons
Key drawbacks and limitations.
The annual fee of ₹2,999 + GST might be high for users not maximizing benefits.
The base reward rate of 2 points per ₹100 on non-accelerated spends is relatively low.
A high interest rate of 3.75% per month (45% per annum) applies to outstanding balances.
Cons
Key drawbacks and limitations.
Reward earning rate on general spends is not highly competitive compared to peers.
Lacks specific additional benefits for popular categories like movies or dining.
High joining and renewal fees of Rs. 4,999 + taxes may deter some users.
Travel Credits have varying redemption values, which can be confusing for users.
Complimentary Priority Pass membership is only valid for the first two years.