IndiGo SBI Credit Card
- Updated On: 27 September, 2025
It is no secret that SBI Card partners with several popular brands and platforms and offers a wide range of co-branded credit cards. In terms of airline co-branded cards, SBI Card previously introduced the KrisFlyer co-branded credit card, and now, in late 2025, the issuer has launched two airline co-branded cards in association with IndiGo, the country’s largest airline. The IndiGo SBI and IndiGo SBI ELITE both offer BluChips as rewards for spending. Accelerated rewards are earned on spends made through the IndiGo website and app. While the IndiGo SBI ELITE is a premium credit card, the IndiGo SBI comes at an affordable first-year fee of ₹1,499, with an annual fee of the same amount from the second year onward.
This card is best suited for those seeking straightforward benefits on IndiGo spends. Cardholders can earn combined BluChips through their loyalty tier and the card, helping them save significantly on flight expenses. They are also eligible for airport lounge access, a benefit that many issuers are now reducing or removing. Frequent IndiGo flyers can definitely save big by opting for this card.
IndiGo SBI Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
3 IndiGo BluChips/₹100 on the IndiGo App & Web. 2 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 1 IndiGo BluChip/₹100 on All Other Spends
Welcome Benefits
2,500 IndiGo BluChips
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
3 IndiGo BluChips/₹100 on the IndiGo App & Web. 2 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 1 IndiGo BluChip/₹100 on All Other Spends
Reward Redemption
BluChips Can Be Redeemed for Flight Bookings With IndiGo
Travel
N/A
Domestic Lounge Access
One Free Visit Each Quarter on Making Spends of ₹50,000 or More in the Previous Quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Annually)
Fuel Surcharge Waiver
1% Waiver on Fuel Transactions Between ₹500 and ₹4,000
Cash Advance Charges
2.5% or ₹500 (Whichever is Higher)
Product Details
- The IndiGo SBI Credit Card is an affordable credit card available at a joining and annual charge of ₹1,499 + GST.
- This credit card is most suited for those who often fly with the popular Indian airline IndiGo.
- Complimentary airport lounge access is offered with this card to ease the travel experience.
Pros/Cons
Pros
- 2,500 IndiGo BluChips are offered as a renewal benefit with this card. This is an extreme advantage for all those who wish to keep this card, as they will get their fees worth from the second year as well, instead of the usual first year.
Cons
- Although airport lounge access would have been a pro for this card, it’s offered on a spend-based basis. Cardholders must spend ₹50,000 in the previous quarter to access this benefit, which doesn’t truly make it complimentary.
Welcome/Renewal Benefits
On payment of the joining fee and making the first transaction within 60 days of card issuance, cardholders receive 2,500 BluChips. Those who maximize these BluChips can get a value of around ₹1 or slightly more per BluChip. Even conservatively valuing each BluChip at ₹0.50 still makes this a great joining benefit.
An additional 2,500 IndiGo BluChips are credited after the annual fee is realized, providing a strong incentive for users to keep the card in the coming years as well.
Earn BluChips on Spends
- 3 IndiGo BluChips per ₹100 on IndiGo App & Web.
- 2 IndiGo BluChips per ₹100 on Hotel/Lodging & Travel MCCs.
- 1 IndiGo BluChip per ₹100 on All Other Spends.
- BluChips earned by the cardholder shall be transferred to their account after every statement cycle.
Exclusions
No BluChips are earned for cash withdrawals, balance transfers, Flexipay, e-wallet uploads, cashback transactions, and spending on rentals, fuel, utility bills, gaming, and government transactions.
How to Redeem BluChips for Free IndiGo Flights?
- Log in to your IndiGo BluChip account on the IndiGo website or mobile app.
- When booking a flight, choose ‘Pay with Points’ and select the passengers (only the primary BluChip member or their nominated members can redeem points).
- Pick your payment option: IndiGo BluChips, a BluChips voucher, or a mix of both.
- Enter the OTP sent to your registered mobile number to confirm and complete the redemption.
Free Domestic Airport Lounge Access
This card offers four complimentary visits to domestic airport lounges in the country upon making spends of ₹50,000 or more in the previous quarter. Although a spend-based criterion for airport lounge access is not ideal, it is now being implemented across the board by issuers and has become the norm.
For newly issued cards, the minimum spending requirement is waived for the month of issuance and the corresponding calendar quarter.
Milestone Benefits
Not only does this card offer regular rewards, but it also comes with milestone benefits. This is a great perk, as anyone booking IndiGo flights even a few times a year is likely to have high spends, and these rewards add extra value. Here’s a look at all the milestone rewards offered with this card.
| Spending | Reward |
| ₹2 Lakh | 2,500 IndiGo Bluchip |
| ₹4 Lakh | 2,500 IndiGo Bluchip |
| ₹6 Lakh | 2,500 IndiGo Bluchip |
Bottom Line
Overall, the IndiGo SBI Credit Card is a solid offering with attractive welcome and renewal benefits, milestone rewards, and a decent regular reward rate. Since the IndiGo BluChips don’t have a fixed value, calculating the exact reward rate can be tricky. Still, frequent IndiGo flyers can get significant value from this card.
With multiple co-branded tie-ups and partnerships with brands like Swiggy and EazyDiner, IndiGo provides plenty of opportunities to earn BluChips, making it even more rewarding for regular travelers. Share your thoughts on this card in the comments below.
FAQs:
How much do I need to spend to waive the renewal charges with the IndiGo SBI Credit Card?
The IndiGo SBI Credit Card has no spend-based waiver; however, cardholders will be offered 2,500 BluChips as renewal benefits after the annual fee is realized.
Is this card available on Visa?
The IndiGo SBI Credit Card is available on the Mastercard and RuPay networks.