IndiGo SBI Card ELITE
Fees
₹4,999 + Taxes
Joining & AnnualReward Rate
7 BluChips per ₹100 on IndiGo bookings; 3 BluChips per ₹100 on other travel & hotels; 2 BluChips per ₹100 on other spends
Welcome Bonus
5,000 IndiGo BluChips + a 6E Eats voucher on first transaction within 60 days
Lounge Access
8 Domestic + 6 International/yr
FindMyCard Expert Take
The IndiGo SBI Card ELITE from SBI Card offers Frequent IndiGo Travelers with an annual fee of ₹2,499 + Taxes.
Pros & Cons
Key Advantages
- 4 complimentary 6E Prime Passes on ₹1 Lakh spend within 90 days of issuance
- 8 domestic + 6 international lounge visits per year
- 5,000 BluChips + a 6E Eats voucher on first transaction within 60 days
- Fee waiver threshold (Includes free IndiGo flight ticket voucher on joining)
Limitations
- ₹4,999 annual fee is high relative to most co-branded airline cards
- BluChips are only redeemable on the IndiGo app, not for general statement credit
- 6E Prime Pass benefit needs ₹1 Lakh spend within the first 90 days
Editorial Verdict
The IndiGo SBI Card ELITE is ideally suited for frequent indigo travelers. If you want 7 bluchips per ₹100 on indigo bookings; 3 bluchips per ₹100 on other travel & hotels; 2 bluchips per ₹100 on other spends, this card delivers real value. The ₹4,999 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Includes free IndiGo flight ticket voucher on joining
Fees & Charging Rates
Annual Fee Waivers
₹4,999 + Taxes
💡 Includes free IndiGo flight ticket voucher on joining
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare IndiGo SBI Card ELITE With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IndiGo SBI Card ELITE This Card | ₹4,999 + Taxes | 7 BluChips per ₹100 on IndiGo bookings; 3 BluChips per ₹100 on... | 8 Domestic + 6 International/yr | 4.6/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |