IndiGo SBI ELITE Credit Card
- Updated On: 6 October, 2025
The IndiGo SBI ELITE Credit Card is a premium co-branded offering. It comes with a joining fee of ₹4,999 and provides 5,000 IndiGo BluChips plus a 6E Eats voucher as a welcome benefit, roughly equal to the first-year fee.
This card is ideal for frequent IndiGo flyers. From domestic to international airport lounges, it offers multiple travel privileges that make journeys more comfortable. It also includes insurance benefits to enhance protection for travelers. The IndiGo SBI ELITE Credit Card is available on the Mastercard and RuPay networks. Those who make UPI transactions can opt for the RuPay variant and make easy payments.
IndiGo SBI ELITE Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
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
Welcome Benefits
5,000 IndiGo BluChips & 1 6E Eats Voucher
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
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
Reward Redemption
BluChips Can Be Redeemed for Flight Bookings With IndiGo
Travel
N/A
Domestic Lounge Access
Two Free Visits Each Quarter on Making Spends of ₹100,000 or More in the Previous Quarter
International Lounge Access
6 Free Visits Each Year (Maximum 2 Per Quarter)
Golf
N/A
Insurance Benefits
Flight Cancellation Cover and Lost Luggage Provided
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 ELITE Credit Card is a premium airline co-branded card available at a joining charge of ₹4,999.
- Cardholders can enjoy complimentary domestic and international lounge access with this card.
Pros/Cons
Pros
- The IndiGo SBI ELITE Credit Card provides access to both domestic and international airport lounges.
Cons
- There is no fixed value of the BluChips earned with this card. One would need to calculate their redemption value while booking flights with IndiGo.
5,000 IndiGo BluChips as Welcome Benefit
5,000 IndiGo BluChips and one 6E Eats voucher will be credited to the cardholder’s IndiGo BluChip account after the annual fee is paid and the first transaction is completed within 60 days of account opening.
Accelerated BluChips Earnings
- 7 IndiGo BluChips per ₹100 on the IndiGo App & Web.
- 3 IndiGo BluChips per ₹100 on Hotel/Lodging & Travel MCCs.
- 2 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.
Complimentary Airport Lounge Access
The IndiGo SBI ELITE Credit Card provides access to both domestic and international airport lounges. This feature is especially beneficial for frequent travelers, whether they fly domestically or internationally. While access to domestic airport lounges is based on spending, there are no such requirements for international lounge access.
| Airport Lounge Access | Visits | Spending |
| Domestic Airports | 8 Each Year (Maximum 2 Every Quarter) | ₹1 Lakh Spending Required in the Previous Quarter |
| International Airports | 6 Each Year (Maximum 2 Every Quarter) | N/A |
Milestone Benefits
Those who have a high spending habit should opt for this card, as it allows them to earn several milestone rewards. Up to 24,000 BluChips can be earned on spends of ₹12 Lakh.
| Milestone Spend Required | Rewards |
| ₹3 Lakh | 6,000 IndiGo Bluchips |
| ₹6 Lakh | 6,000 IndiGo Bluchips |
| ₹9 Lakh | 6,000 IndiGo Bluchips |
| ₹12 Lakh | 6,000 IndiGo Bluchips |
Insurance Covers
The prime difference between the IndiGo SBI and the IndiGo SBI ELITE Credit Card is that the premium offering of the two provides useful insurance covers. These insurance covers offer peace of mind while traveling.
| Cover | Cover Amount |
| Flight Cancellations | 4 Each Year (Up to ₹3,000) |
| Lost Card Liability | Up to ₹1 Lakh |
| Lost Baggage | Up to ₹75,000 |
Bottom Line
The IndiGo SBI ELITE Credit Card is a good choice for people who fly with IndiGo often and want extra travel comfort. With 5,000 BluChips and a 6E Eats voucher as a welcome gift, you quickly get value close to the joining fee. The card also gives higher rewards on IndiGo bookings and travel-related spends, making it easy to collect BluChips for future flights.
Its most significant advantages are free access to both domestic and international airport lounges and useful travel insurance, which add real value for frequent flyers. However, there is no fixed value for BluChips, so the exact reward rate depends on how you redeem them.
If you travel regularly and can make the most of these benefits, this card can be well worth the annual fee.
FAQs:
What are the joining charges for the IndiGo SBI ELITE Credit Card?
Cardholders will be charged ₹4,999 + GST as an annual fee for the IndiGo SBI ELITE Credit Card.
Does this card offer a fuel surcharge waiver?
There is 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000. A maximum waiver of ₹400 is applicable for each statement cycle.
3 comments
Darshan
card holder needs to be one traveller for earning blue chips or even if we book tickets for anyone still u get bluechips
Madhusudhan kamath
Will we get free movie tickets every month in this card
Kartik Kanwar
No. This one is solely dedicated to flight bookings with IndiGo.