In-depth review
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.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,100 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
7 miles/₹100 on Travel (~2.94% value)
7 IndiGo BluChips per Rs.100 on IndiGo App and Web bookings (~2.9%). 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
1.26% on Travel
3 IndiGo BluChips per Rs.100 on hotel/lodging and travel MCCs
Airport Lounge Access
8 domestic lounge visits a year (max 2 a quarter, needs Rs.1L spend the previous calendar quarter) + 6 international Priority Pass visits a year — SBI sets NO per-quarter limit on the international ones. Priority Pass is primary-cardholder only; the ELITE card is not accepted at the lounge
Milestone Bonus
~₹2,520 in bonus rewards on hitting annual spend milestones
Insurance Cover
4 free flight cancellations a year (up to Rs.3,000 each), lost card liability cover up to Rs.1 lakh, and lost baggage cover up to Rs.72,000.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹10,000
Estimated annual value
3.5%
Forex markup
2.9%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹10,000)
- Miles on: IndiGo bookings
- 2.9% effective return on travel bookings
- Travel insurance cover included
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹6,000
Milestone bonus value
- Travel insurance and accident cover
- 4 6E IndiGo Prime Passes on Rs.1 lakh of spend within 3 months of card issuance
For the frequent IndiGo flyer who books on the card and will use both the lounges and the milestone BluChips; the base rate is ordinary for anyone who flies IndiGo only occasionally.
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 | 2.94%7 pts/₹100 × ₹0.42 | — |
| Travel | airline miles | 1.26%3 pts/₹100 × ₹0.42 | — |
| Other | airline miles | 0.84%2 pts/₹100 × ₹0.42 | — |
Travel: 7 IndiGo BluChips per Rs.100 on IndiGo App and Web bookings (~2.9%). 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: 3 IndiGo BluChips per Rs.100 on hotel/lodging and travel MCCs
Other: 2 IndiGo BluChips 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) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹5,899 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹32,580/yr in total.
6,000 IndiGo BluChips at Rs.300,000 of annual spend
A further 6,000 IndiGo BluChips at Rs.600,000 of annual spend
A further 6,000 IndiGo BluChips at Rs.900,000 of annual spend
A further 6,000 IndiGo BluChips at Rs.1,200,000 of annual spend
5,000 IndiGo BluChips plus a 6E Eats voucher every year the RENEWAL fee is realised — a recurring benefit, not a one-off welcome
4 6E IndiGo Prime Passes on Rs.1 lakh of spend within 3 months of card issuance
8 domestic lounge visits a year (max 2 a quarter, needs Rs.1L spend the previous calendar quarter) + 6 international Priority Pass visits a year — SBI sets NO per-quarter limit on the international ones. Priority Pass is primary-cardholder only; the ELITE card is not accepted at the lounge
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India; maximum waiver Rs.400 per statement cycle.
4 free flight cancellations a year (up to Rs.3,000 each), lost card liability cover up to Rs.1 lakh, and lost baggage cover up to Rs.72,000.
Milestone ladder
- ₹1,00,000 a year₹6,000 of value
- ₹3,00,000 a year₹2,520 of value
- ₹6,00,000 a year₹2,520 of value
- ₹9,00,000 a year₹2,520 of value
- ₹12,00,000 a year₹2,520 of value
Should you get it?
- Best for: Frequent IndiGo flyers, Travellers wanting domestic and international lounges, High spenders chasing milestone BluChips, IndiGo 6E Eats and 6E Prime users
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (1.26% back; 2.94% only at IndiGo bookings).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 7 IndiGo BluChips per Rs.100 on IndiGo bookings (about 2.9% at our 42-paisa valuation) — the strongest IndiGo earn of any card
- Both domestic and international complimentary lounge access
- Up to 24,000 milestone BluChips a year, plus 5,000 BluChips and a 6E Eats voucher every year the renewal fee is paid
- Travel insurance including free flight cancellations and lost-baggage cover
✕ Cons
- Best value needs IndiGo bookings; base 2 BluChips per Rs.100 is ordinary
- Rs.4,999 annual fee with no renewal-fee waiver
- Lounge visits are conditional on prior-quarter spend of Rs.1 lakh
- 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 (1 BluChip is about Rs.1)
- 🎁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
Best value needs IndiGo bookings, the ₹4,999 fee has no spend-based waiver, though 5,000 BluChips and a 6E Eats voucher land every year you pay it, and lounge access is conditional on ₹1 lakh of prior-quarter spend.
Frequently asked questions
How many BluChips does the IndiGo SBI Card ELITE earn?
What is the welcome benefit?
What lounge access is included?
How are BluChips redeemed?
How has the IndiGo SBI Card ELITE changed over time?
Has the IndiGo SBI Card ELITE been devalued recently?
When did the IndiGo SBI Card ELITE's fees last change?
The bottom line
A well-built premium airline co-brand that earns its ₹4,999 fee comfortably for a regular IndiGo flyer — book IndiGo on it, clear the milestones and use the domestic and international lounges. If IndiGo isn't a regular part of your travel, step down to the base card or pick a flexible travel card instead.
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 9 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IndiGo SBI Card ELITE 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 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.
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.
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
System-wide 1% fee on third-party education payments and large wallet loads
SBI Card added a 1% fee on education-fee payments made through third-party apps or aggregators (Paytm/PhonePe/Razorpay etc.; direct school/college or campus-POS payments stay free) and a 1% fee on digital-wallet loads above ₹1,000. A portfolio-wide charge that applies to this card too.
Verification: SBI Card ↗ · Confidence: High
- ◆ LaunchEffective 25 Sept 2025
IndiGo SBI Card ELITE launches
SBI Card and IndiGo launched the premium tier of their IndiGo BluChip co-brand at a ₹4,999 joining and renewal fee — 7 BluChips per ₹100 on IndiGo bookings, 5,000-BluChip welcome, up to 24,000 milestone BluChips, and 8 domestic plus 6 international lounge visits a year. Distinct from the separate Axis×IndiGo cards.
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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