IndiGo SBI Card ELITE
A premium IndiGo co-brand card earning IndiGo BluChips: 7 per ₹100 on IndiGo's app and website, 3 per ₹100 on hotel and travel spends, 2 per ₹100 elsewhere; BluChips can be redeemed only on IndiGo airfares. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹4,999 plus GST Product page |
|---|---|
| Annual fee | ₹4,999 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | Not on record |
| No spend-based waiver of the renewal fee is published for this card; 5,000 BluChips and a 6E Eats voucher are given on each renewal fee payment. | |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Hotel, lodging and travel merchants | 3 points per ₹100 Terms | no cap on record |
| All other eligible spends | 2 points per ₹100 Terms | no cap on record |
Earned as IndiGo BluChips, moved to the cardholder's IndiGo BluChip account each statement cycle and redeemable only on flights marketed and operated by IndiGo.
Gaming and EMI (Flexipay) spends earn nothing. Fuel spends earn no BluChips but count towards the spend milestones. BluChips do not expire while there is at least one earn or burn every two years.
No rewards on
Benefits
- Lounges: 8 domestic airport lounge visits a year (two a quarter), plus 6 international Priority Pass visits a year — Domestic visits need ₹1 lakh of spend in the previous calendar quarter (waived for the quarter the card is issued) Terms
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹400 a statement cycle Product page
- Welcome: 5,000 IndiGo BluChips voucher and one 6E Eats voucher after the fee is paid and a first transaction within 60 days Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 7 BluChips per ₹100 on IndiGo's app and website Terms
- 6 complimentary international Priority Pass lounge visits a year Terms
- 4 IndiGo 6E Prime passes on ₹1 lakh of spend within 3 months of account opening Terms
- 6,000 BluChips voucher at each of ₹3 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh of spend Terms
- 5,000 BluChips voucher and a 6E Eats voucher on each renewal fee payment Terms
- 4 free flight cancellations a year, each up to ₹3,000 Product page
- Lost card liability cover of up to ₹1 lakh Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends
- the period over which the ₹3, 6, 9 and 12 lakh milestone spends are counted
Where SBI Card’s documents differ, and what is used
- Foreign currency markup: the MITC charges 3.5% on all cards except a list that includes 'Elite' (charged 1.99%), and does not say whether IndiGo SBI Card ELITE is meant; no markup is shown until SBI Card states it.
- Lost baggage cover: the product page says up to ₹75,000; the insurance table in the card terms says up to ₹72,000. Not shown.
- Point value: SBI Card states 1 BluChip = ₹1 only as the conversion for statement-debit adjustments; the redemption value on IndiGo is set by IndiGo.
- Milestones: the terms and product page do not say over what period the ₹3, 6, 9 and 12 lakh of spend is counted, so the milestones are shown as a highlight, not priced.
The quotes behind the figures
40 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 4,999 + taxes.”
“The Renewal Fee is Rs. 4,999 + taxes from second year onwards.”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%”
“1 IndiGo BluChip = 1 Reward Point = INR 1.”
“Earn 3 IndiGo BluChips per `100 spent on Hotel / Lodging and Travel MCCs”
“3 IndiGo BluChips on Rs. 100 spent on Hotel / Lodging and Travel MCCs.”
“Earn 2 IndiGo BluChips per `100 spent on all other spends excluding Utility, Govt Transactions, Rental, Fuel, Gaming, Crossell and insurance”
“2 IndiGo BluChips on Rs. 100 spent all other spends (excluding - Utility, Govt Transactions, Rental, Fuel, Gaming, Cross-Sell and Insurance MCCs)”
“You can earn IndiGo BluChips on all your spends except Cash withdrawals, Balance Transfers, Flexipay, E-wallet uploads, Cashback transactions and spends on Rental, Fuel, Utility Bills, Gaming and Govt transactions.”
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“Annual fee is a one-time charge ranging between Rs.0 to Rs.9,999 plus applicable taxes and renewal fee is charged every year”
“IndiGo SBI Card ELITE 4,999 4,999”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“The IndiGo BluChips accrued cannot be converted to cash. They have a monetary equivalent value while redemption is done on IndiGo App/Web.”
“Note: IndiGo BluChips can be redeemed only on airfare of flights that are marketed and operated by IndiGo.”
“All IndiGo Bluchips earned in bulk - Welcome, Renewal & Milestones, will be issued as Vouchers redeemable at IndiGo's ecosystem.”
“Access to domestic airport lounges is based on a minimum eligible spend of Rs. 1,00,000 in the previous calendar quarter.”
“8 complimentary Domestic Airport Lounge visits in a year (max. 2 per quarter) on spends of Rs. 1,00,000 in the last quarter”
“Maximum waiver of Rs. 400 per statement cycle, per credit card account.”
“Maximum surcharge waiver of `400 per billing statement, per credit card account is applicable.”
“Fuel spends will not lead to accumulating any IndiGo BluChips. But they will contribute to reaching the spends for achieving the milestones on your IndiGo SBI Card / IndiGo SBI Card ELITE.”
“IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years.”
“4 6E Prime Passes on spends of Rs. 1,00,000 within 90 days of account opening.”
“6 complimentary International Lounge visits in a year (max. 2 per quarter)”
“Lost Baggage cover of up to Rs. 75,000”
“Up to 72,000”
“Cardholders are eligible for 8 Domestic Airport Lounge visits per year (2 per quarter)”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“1% Fuel Surcharge Waiver for each transaction between Rs. 500 and Rs. 4,000. Maximum Surcharge waiver of Rs. 400 per statement cycle, per credit card account.”
“5,000 IndiGo BluChips Voucher & 1 6E Eats Voucher post Annual Fee payment and first transaction within 60 days of account opening.”
“Earn 7 IndiGo BluChips per `100 spent on IndiGo App / Web”
“Visit Charges 6 complimentary visits for IndiGo SBI Credit Card ELITE”
“Get 4 6E IndiGo Prime Passes on spends of 1 Lakh within 3 months of account opening.”
“Get 6000 IndiGo BluChips on Spends of 3 Lakh, 6 Lakh, 9 Lakh and 12 Lakh each.”
“Get 5000 IndiGo BluChips an 1 IndiGo 6E Eats voucher on realization of Renewal Fee.”
“4 free flight cancellations per year, each up to Rs. 3,000”
“Lost card liability cover of up to Rs. 1 lakh”
“"ctaText" : "APPLY NOW", "ctaView" : "primary",”
“Just look for the MasterCard / RuPay sign of acceptance and present your card for payment.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology