In-depth review
IndiGo SBI Card
The low-fee entry into IndiGo's BluChips rewards, launched September 2025: 3 BluChips per ₹100 on IndiGo bookings, a 2,500-BluChip welcome, up to 7,500 milestone BluChips and 4 domestic lounge visits, all for ₹1,499. A sensible starter for occasional IndiGo flyers who don't need international lounges.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,050 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
3 miles/₹100 on Travel (~1.26% value)
3 IndiGo BluChips per Rs.100 on IndiGo App and Web bookings (~1.3%). We value a BluChip at 42 paisa, matching transfer-data/partners.yml — SBI publishes no redemption value, and BluChips cover base fare only. The familiar '1 BluChip = Re.1' belonged to 6E Rewards, the retired HDFC co-brand currency
0.84% on Travel
2 IndiGo BluChips per Rs.100 on hotel/lodging and travel MCCs
Airport Lounge Access
4 complimentary domestic airport lounge visits a year (max 1 per quarter), unlocked on Rs.50,000 spend in the previous quarter.
Milestone Bonus
~₹1,050 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
1.3%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
- Miles on: IndiGo bookings
For the occasional IndiGo flyer who wants to earn BluChips without committing to the ELITE's ₹4,999 fee, and who doesn't need international lounge access.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.42. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at IndiGo bookings | airline miles | 1.26%3 pts/₹100 × ₹0.42 | — |
| Travel | airline miles | 0.84%2 pts/₹100 × ₹0.42 | — |
| Other | airline miles | 0.42%1 pts/₹100 × ₹0.42 | — |
Travel: 3 IndiGo BluChips per Rs.100 on IndiGo App and Web bookings (~1.3%). We value a BluChip at 42 paisa, matching transfer-data/partners.yml — SBI publishes no redemption value, and BluChips cover base fare only. The familiar '1 BluChip = Re.1' belonged to 6E Rewards, the retired HDFC co-brand currency · IndiGo bookings
Travel: 2 IndiGo BluChips per Rs.100 on hotel/lodging and travel MCCs
Other: 1 IndiGo BluChip per Rs.100 on all other eligible spends; excludes utility, government, rent, fuel, gaming, cross-sell and insurance MCCs
Earns nothing on: Fuel · Utility Bills · Rent · Insurance · Government & Tax · Online Gaming · Wallet Loads · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹7,400/yr in total.
2,500 IndiGo BluChips at Rs.200,000 of annual spend
A further 2,500 IndiGo BluChips at Rs.400,000 of annual spend
A further 2,500 IndiGo BluChips at Rs.600,000 of annual spend
2,500 IndiGo BluChips every year the RENEWAL fee is realised — a recurring benefit, not a one-off welcome
4 complimentary domestic airport lounge visits a year (max 1 per quarter), unlocked on Rs.50,000 spend in the previous quarter.
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India; maximum waiver Rs.200 per statement cycle.
Milestone ladder
- ₹2,00,000 a year₹1,050 of value
- ₹4,00,000 a year₹1,050 of value
- ₹6,00,000 a year₹1,050 of value
Should you get it?
- Best for: Occasional IndiGo flyers, First-time co-brand card holders, Budget-conscious domestic travellers, Anyone wanting IndiGo rewards at a low fee
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (0.84% back; 1.26% only at IndiGo bookings).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Low Rs.1,499 fee entry into IndiGo BluChips rewards
- 3 BluChips per Rs.100 on IndiGo bookings (about 1.3% at 42 paisa a BluChip) for regular flyers
- 2,500 BluChip welcome gift plus up to 7,500 milestone BluChips
- 4 complimentary domestic lounge visits a year
✕ Cons
- Base earn of 1 BluChip per Rs.100 is low for non-IndiGo spends
- No international lounge access at this tier
- Rs.1,499 annual fee with no renewal-fee waiver
- Fuel, utility, rent, government and insurance spends earn nothing
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁BluChips auto-credit to your IndiGo BluChip account every statement cycle
- 🎁Redeem BluChips against IndiGo flight bookings on the IndiGo app or website (base fare only; we value a BluChip at about 42 paisa)
- 🎁Welcome and milestone BluChips are issued as vouchers credited to the same account
What your IndiGo BluChip are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
₹0.42 per BluChip against IndiGo base fare; airline-only, and BluChips expire with account inactivity
The 1-BluChip base rate is low for non-IndiGo spend, there's no international lounge access, and the ₹1,499 fee has no spend-based waiver — though 2,500 BluChips land every year you pay it.
Frequently asked questions
How many BluChips does the IndiGo SBI Card earn?
What is the welcome benefit?
What lounge access is included?
How are BluChips redeemed?
How has the IndiGo SBI Card changed over time?
Has the IndiGo SBI Card been devalued recently?
When did the IndiGo SBI Card's fees last change?
The bottom line
A cheap, honest starter co-brand — book IndiGo on it, bank the welcome and milestone BluChips and use the domestic lounges, and it pays for itself. Fly IndiGo a lot and you'll outgrow it for the ELITE; fly it rarely and a flexible travel card serves you better.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 paid only at named merchants, the spends listed as earning nothing and 6 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndiGo SBI Card are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IndiGo SBI Card
The low-fee entry into IndiGo's BluChips rewards, launched September 2025: 3 BluChips per ₹100 on IndiGo bookings, a 2,500-BluChip welcome, up to 7,500 milestone BluChips and 4 domestic lounge visits, all for ₹1,499. A sensible starter for occasional IndiGo flyers who don't need international lounges.
IndiGo SBI Card ELITE
India's biggest airline finally has a premium co-brand: 7 BluChips per ₹100 on IndiGo bookings (roughly 2.9%), both domestic and international lounges, and up to 24,000 milestone BluChips a year. Launched September 2025, it's a strong pick for frequent IndiGo flyers and ordinary for everyone else.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Nov 2025
2025
- ▼ FeeEffective 1 Nov 2025
1% fee on third-party education payments & wallet loads
No surcharge on education/wallet-load spends→1% fee on 3rd-party education fees & wallet loads over ₹1,000
In its system-wide fee revision effective 1 November 2025 — barely five weeks after launch — SBI Card added a 1% fee on education-fee payments made via third-party apps/aggregators (Paytm, PhonePe, Razorpay, etc.; direct school/college website or campus POS payments stay free) and a 1% fee on digital-wallet loads exceeding ₹1,000. Applies to the IndiGo SBI Card.
Verification: SBI Card ↗ · Confidence: High
- ◆ LaunchEffective 25 Sept 2025
IndiGo SBI Card launched
SBI Card and IndiGo launched their co-branded card under the IndiGo BluChip loyalty programme, in two variants (the ₹1,499 IndiGo SBI Card and the ₹4,999 IndiGo SBI Card ELITE). The base card earns 3 BluChips per ₹100 (~3%) on IndiGo App and Web bookings, 2 per ₹100 on hotel and travel spends and 1 per ₹100 elsewhere (fuel, utility, rent and insurance excluded), with a 2,500-BluChip welcome, up to 7,500 milestone BluChips, and 4 domestic lounge visits a year unlocked on ₹50,000 prior-quarter spend.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sbi-indigo#value-timeline">IndiGo SBI Card value timeline</a>, CardAdvisor (CC BY 4.0).
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