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| Feature | SBI Card SBI Card MILES ELITE | SBI Card IndiGo SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Mastercard + RuPay | Mastercard + RuPay |
| Annual fee | ₹4,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹15,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 0.8% · Eligible travel MCCs | 3% · IndiGo purchase BluChips |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2.0% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent travellers able to use transfer partners and justify a premium annual fee. | Frequent IndiGo flyers with substantial annual travel and international lounge use. |
| Main trade-off | The conservative value is ₹0.25 per Travel Credit; travel booking and partner-transfer values vary. Credits expire after 24 months, and the ₹15 lakh fee waiver is demanding. | There is no annual-fee waiver. Domestic lounge access requires ₹1 lakh eligible spend in the preceding quarter, and BluChips are airline currency rather than cash. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
