SBI Card
IndiGo SBI Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
1% air miles
Foreign Markup
3.5%
Welcome Benefits
2,500 IndiGo BluChips
Product Highlights
- Affordable joining and annual fee of ₹1,499 + GST
- Complimentary airport lounge access
Category Rewards
dining
3% on dining, grocery, entertainment
3X
grocery
3% on dining, grocery, entertainment
3X
entertainment
3% on dining, grocery, entertainment
3X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo
6% BluChips on IndiGo bookings
Reward Calculator
Earns ₹4,471/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.2K
6E Rewards / BluChips
₹6.2K
via standard
Effective rate
3.25%
Annual fee
₹1,769
Year 1 net
+₹4,471
Year 2+ net
+₹4,471
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3 IndiGo BluChips/₹100 on the IndiGo App & Web, 2 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs, and 1 IndiGo BluChip/₹100 on All Other Spends.
- BluChips can be redeemed for flight bookings with IndiGo.
Benefits & Features
Domestic: One Free Visit Each Quarter (On making spends of ₹50,000 or more in the previous quarter.) Complimentary access based on spending criteria.
Pros & Cons
Pros
- 2,500 IndiGo BluChips offered as a renewal benefit
- Strong incentive to keep the card with additional BluChips
Cons
- Airport lounge access is spend-based
- Must spend ₹50,000 in the previous quarter for lounge access
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks