IndiGo SBI Card
An IndiGo co-brand card earning IndiGo BluChips: 3 per ₹100 on IndiGo's app and website, 2 per ₹100 on hotel and travel spends, 1 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.
Fees and charges
| Joining fee | ₹1,499 plus GST Product page |
|---|---|
| Annual fee | ₹1,499 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| No spend-based waiver of the renewal fee is published for this card; a 2,500 BluChips voucher is given on each renewal fee payment. | |
Rewards
Reward points, ₹1 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Hotel, lodging and travel merchants | 2 points per ₹100 Terms | no cap on record |
| All other eligible spends | 1 point 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: 4 domestic airport lounge visits a year, one a quarter — ₹50,000 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 ₹200 a statement cycle Product page
- Welcome: 2,500 IndiGo BluChips 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.
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 ₹2, 4 and 6 lakh milestone spends are counted
Where SBI Card’s documents differ, and what is used
- Fuel surcharge cap: the product page and the fuel clause of the card terms give ₹200 a statement cycle; an FAQ in the same terms booklet says ₹400 per billing statement. ₹200 is used.
- 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 ₹2, 4 and 6 lakh of spend is counted, so the milestones are shown as a highlight, not priced.
The quotes behind the figures
34 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 1,499 + taxes.”
“The Renewal Fee is Rs. 1,499 + 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%”
“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).”
“1 IndiGo BluChip = 1 Reward Point = INR 1.”
“Earn 2 IndiGo BluChips per `100 spent on Hotel/ Lodging and Travel MCCs”
“2 IndiGo BluChips on Rs. 100 spent on Hotel / Lodging and Travel MCCs.”
“Earn 1 IndiGo BluChip per `100 spent on all other spends excluding Utility, Govt Transactions, Rental, Fuel, Gaming, Crossell and insurance”
“1 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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“"filterBenefits" : "upi-payments"”
“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 1,499 1,499”
“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.”
“1st transaction within 60 days of account opening.”
“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. 50,000 in the previous calendar quarter.”
“4 Domestic Airport Lounge visits in a year (max. 1 visit per quarter) on spends of Rs. 50,000 in the last quarter”
“Maximum fuel surcharge waiver of Rs. 200 per statement cycle.”
“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.”
“The IndiGo BluChips accumulated on your IndiGo SBI Credit Card will be transferred to your IndiGo BluChip Loyalty Account within 7 working days of your monthly statement cycle”
“Cardholders are eligible for 4 Domestic Airport Lounge visits per year (1 per quarter)”
“1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 and up to Rs. 4,000 exclusive of GST and other charges.”
“1% Fuel Surcharge Waiver for each transaction between Rs. 500 and Rs. 4,000. Maximum Surcharge waiver of Rs. 200 per statement cycle, per credit card account.”
“2,500 IndiGo BluChips Voucher post Annual Fee payment and first transaction within 60 days of account opening”
“Earn 3 IndiGo BluChips per `100 spent on IndiGo App/ Web”
“Get 2500 IndiGo BluChips on Spends of 2 Lakh, 4 Lakh, and 6 Lakh each.”
“Get 2500 IndiGo BluChips on realization of Renewal Fee.”
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“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