IndiGo SBI Card ELITE
Updated on October 30, 2026
🎖️Reward Rate
IndiGo: 7 IndiGo BluChips per ₹100 on the IndiGo app and website
Overview
IndiGo SBI Card ELITE is an IndiGo co-brand card that earns IndiGo BluChips, with 7 BluChips per ₹100 on IndiGo bookings, a 5,000 BluChips voucher on joining and renewal, milestone vouchers and lounge access.
Rewards
Reward Type
Air Miles
Reward Rate
- • IndiGo: 7 IndiGo BluChips per ₹100 on the IndiGo app and website
- • Hotels and Travel: 3 BluChips per ₹100
- • Other Spends: 2 BluChips per ₹100
- • Exclusions: No BluChips on fuel, rent, utilities, government, gaming, insurance, wallet loads, Flexipay and cash withdrawals
Welcome Benefit
A 5,000 IndiGo BluChips voucher and one 6E Eats voucher after the annual fee is paid and the first transaction is made within 60 days. 4 6E Prime passes on spends of ₹1 lakh within 90 days.
Milestone Benefit
A 6,000 IndiGo BluChips voucher each at ₹3 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh of annual spends, up to 24,000 BluChips a year.
Redemption
- • IndiGo Flights: BluChips move to your IndiGo BluChip account every statement and are used with Pay with Points on the IndiGo app or website
- • Expiry: BluChips do not expire if you earn or use them at least once in 2 years
- • Vouchers: BluChip vouchers work only on IndiGo-operated flights and are non-refundable
Benefits
- Renewal: 5,000 BluChips voucher and one 6E Eats voucher each year after the fee is paid
- Domestic Lounges: 8 visits a year, up to 2 a quarter, when you spend ₹1 lakh in the previous quarter
- International Lounges: 6 visits a year, up to 2 a quarter
- Insurance: 4 flight cancellation covers a year of up to ₹3,000 each, lost baggage cover up to ₹75,000 and lost card cover up to ₹1 lakh
- Fuel Surcharge Waiver: 1% on ₹500 to ₹4,000, up to ₹400 a statement
- Network: Mastercard or RuPay
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹500). |
Fee waiver: SBI Card does not list a spend-based fee waiver for this card.
PaisaSimple Review
Overall Rating
3.5/5What do we like about this card?
Rated 3.5 out of 5. The IndiGo SBI Card ELITE scores well for 7 BluChips per ₹100 on IndiGo, 2 per ₹100 elsewhere, 5,000 BluChips vouchers on joining and each renewal and up to 24,000 BluChips in milestone vouchers. It loses marks because BluChips can be used only on IndiGo, the ₹4,999 fee has no spend waiver and the forex markup is 3.5%.
Pros
- • IndiGo Earn: 7 BluChips per ₹100 on IndiGo bookings
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Milestones: Up to 24,000 BluChips in vouchers at ₹12 lakh spend
- • Lounges: Domestic and international visits
- • Travel Cover: Flight cancellation and lost baggage cover
Cons
- • Fee: ₹4,999 a year with no spend waiver listed
- • High Forex: 3.5% markup
- • Domestic Lounges Need Spend: ₹1 lakh in the previous quarter
- • IndiGo Only: BluChips can be used only on IndiGo flights
- • Exclusions: No BluChips on fuel, rent, utilities or insurance
Frequently Asked Questions
What is the joining and annual fee of the IndiGo SBI Card ELITE?
The joining fee is ₹4,999 plus GST. The annual fee is ₹4,999 plus GST. SBI Card does not list a spend-based fee waiver for this card.
What rewards does the IndiGo SBI Card ELITE give?
IndiGo: 7 IndiGo BluChips per ₹100 on the IndiGo app and website. Hotels and Travel: 3 BluChips per ₹100. Other Spends: 2 BluChips per ₹100. Exclusions: No BluChips on fuel, rent, utilities, government, gaming, insurance, wallet loads, Flexipay and cash withdrawals.
How do I redeem the rewards on the IndiGo SBI Card ELITE?
IndiGo Flights: BluChips move to your IndiGo BluChip account every statement and are used with Pay with Points on the IndiGo app or website. Expiry: BluChips do not expire if you earn or use them at least once in 2 years. Vouchers: BluChip vouchers work only on IndiGo-operated flights and are non-refundable.
Does the IndiGo SBI Card ELITE give airport lounge access?
Domestic Lounges: 8 visits a year, up to 2 a quarter, when you spend ₹1 lakh in the previous quarter. International Lounges: 6 visits a year, up to 2 a quarter.
What is the forex markup on the IndiGo SBI Card ELITE?
The forex markup is 3.5% of the amount spent in a foreign currency.
Compare with Similar Cards
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- • A 5,000 IndiGo BluChips voucher and one 6E Eats voucher after the annual fee is paid and the first transaction is made within 60 days. 4 6E Prime passes on spends of ₹1 lakh within 90 days.
- • 2,500 EDGE Miles on your first transaction within 37 days of card issuance.
- • A 5,000 IndiGo BluChips voucher and an IndiGo meal voucher on joining fee payment, plus a 3-month EazyDiner Prime membership and a The Postcard Hotels stay voucher worth ₹3,000. A further 3,000 BluChips voucher on spends of ₹1 lakh within 90 days.
- • IndiGo: 7 IndiGo BluChips per ₹100 on the IndiGo app and website
- • Hotels and Travel: 3 BluChips per ₹100
- • Other Spends: 2 BluChips per ₹100
- • Exclusions: No BluChips on fuel, rent, utilities, government, gaming, insurance, wallet loads, Flexipay and cash withdrawals
- • Travel: 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends
- • Other Spends: 2 EDGE Miles per ₹100
- • Exclusions: No miles on gold and jewellery, rent, wallet, government, insurance, fuel or utilities
- • IndiGo: 6 IndiGo BluChips per ₹100 from the card on the IndiGo website and app, plus up to 16 more from your IndiGo loyalty tier
- • Other Spends: 3 BluChips per ₹100
- • UPI: 0.5 BluChips per ₹100
- • Bills and Essentials: 0.5 BluChips per ₹100 on fuel, insurance, utilities, rent, wallet, FASTag, education, railway and government spends
- • Exclusions: No BluChips on cash withdrawals and EMI transactions
- • IndiGo Earn: 7 BluChips per ₹100 on IndiGo bookings
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Milestones: Up to 24,000 BluChips in vouchers at ₹12 lakh spend
- • Lounges: Domestic and international visits
- • Travel Cover: Flight cancellation and lost baggage cover
- • Travel Rewards: 5 EDGE Miles per ₹100 on travel
- • Transfer Value: 1 mile = 2 partner miles
- • Tiered Benefits: More lounge visits and miles at higher spends
- • Milestones: Up to 10,000 bonus miles a year
- • Zero Forex: 0% markup abroad
- • Milestones: Up to 25,000 BluChips in vouchers a year
- • Two Networks: Mastercard and RuPay with UPI
- • Welcome and Renewal: 5,000 BluChips voucher each year the fee is paid
- • Trip Cancellation: Up to ₹25,000 a year
- • Fee: ₹4,999 a year with no spend waiver listed
- • High Forex: 3.5% markup
- • Domestic Lounges Need Spend: ₹1 lakh in the previous quarter
- • IndiGo Only: BluChips can be used only on IndiGo flights
- • Exclusions: No BluChips on fuel, rent, utilities or insurance
- • Fee: ₹5,000 with no spend-based waiver
- • Transfer Fee: ₹199 per transfer
- • Exclusions: No miles on rent, insurance, utilities, fuel and more
- • Forex: 3.5% markup
- • Fee: ₹4,999 a year with no spend waiver listed
- • No Lounge Access: No lounge visits listed for this card
- • Low Earn on Bills: 0.5 BluChips per ₹100 on fuel, rent and utilities
- • No Fuel Surcharge Waiver: Not offered on this card
- • IndiGo Only: BluChips are used on IndiGo flights