SBI Card
IndiGo SBI ELITE Credit Card
Annual Fee
₹5,899₹4,999 + GSTBase Reward
2% air miles
Foreign Markup
3.5%
Welcome Benefits
5,000 IndiGo BluChips & 1 6E Eats Voucher
Product Highlights
- Premium airline co-branded card
- Complimentary lounge access
Category Rewards
dining
5% on dining, grocery, entertainment
5X
grocery
5% on dining, grocery, entertainment
5X
entertainment
5% on dining, grocery, entertainment
5X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
IndiGo
10% BluChips on IndiGo bookings
Reward Calculator
Earns ₹3,101/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
9K
6E Rewards / BluChips
₹9K
via standard
Effective rate
4.69%
Annual fee
₹5,899
Year 1 net
+₹3,101
Year 2+ net
+₹3,101
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
1.99%Charged on every international (non-INR) transaction
Dynamic Currency Conversion (DCC) markup
1.99%Charged when a foreign merchant offers to bill you in INR — always decline DCC
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
7 IndiGo BluChips/₹100 on the IndiGo App & Web, 3 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs, 2 IndiGo BluChip/₹100 on All Other Spends.
- BluChips Can Be Redeemed for Flight Bookings With IndiGo
Benefits & Features
Domestic: Two Free Visits Each Quarter (Making Spends of ₹100,000 or More in the Previous Quarter) International: 6 Free Visits Each Year (Maximum 2 Per Quarter) Access to both domestic and international airport lounges.
Pros & Cons
Pros
- Access to both domestic and international airport lounges
- 5,000 IndiGo BluChips as Welcome Benefit
Cons
- No fixed value of the BluChips earned
- Exclusions on certain transactions for earning BluChips
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