IndiGo SBI Card ELITE
SBI
₹4,999
Joining fee
₹4,999, waived at ₹9L spend
Annual fee
Explicitly NOT available — 'IndiGo SBI Card ELITE does not offer any option to waive off its annual fee.'
1.99%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹90,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Applicant must already have an active IndiGo BluChip account to be eligible for this card
Lounge access
Domestic: up to 8 visits/year, max 2/quarter, requiring minimum Rs 1 lakh spend in previous quarter
International: up to 6 visits/year, max 2/quarter, not restricted by spend
Reward details
2 BluChips per Rs 100 on other spends
- 7 BluChips per Rs 100 on IndiGo bookings
- 3 BluChips per Rs 100 on Hotels/lodging & travel MCCs
Welcome bonus: 5,000 BluChips + 6E Eats voucher
- Rs 3 lakh, Rs 6 lakh, Rs 9 lakh, and Rs 12 lakh annual spends: 6,000 BluChips each
Redemption
1:1 ratio on IndiGo website/app
Ratio: 1:1
Excluded from rewards: fuel, utility, rental, government transactions, gaming, insurance and cross-sell MCCs, cash withdrawals, balance transfers, e-wallet uploads, Flexipay, cashback
- Renewal bonus: 5,000 BluChips + 1 voucher
- Flight cancellation cover — 4 free cancellations yearly (Rs 3,000 each)
- Fuel surcharge waiver 1%, up to Rs 400/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Described as 'a true travel card that offers accelerated rewards'; 'worldwide complimentary lounge access makes your travels more comfortable' — Paisabazaar
Complaints
- No considerable benefit on non-travel spending categories; domestic lounge access remains spend-conditional despite the premium fee — Paisabazaar
Sources
- Official (not independently verified) — Not separately fetched; figures drawn entirely from aggregator
- Aggregator — fees, eligibility, lounge, rewards, sentiment