IndiGo SBI Card
SBI Card · Mastercard + RuPay · Mid card
A mid-priced airline card with meaningful travel earn and a clear domestic-lounge pathway.
Regular IndiGo flyers who want RuPay UPI capability and can meet the lounge threshold.
Terms checked 24 Sept 2026
- Annual fee
- ₹1,499 + GST
- Joining fee
- ₹1,499 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 2% IndiGo ecosystem only |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹50,000 per Calendar quarter for the following calendar quarter
Spend condition: Spend ₹50,000 in the preceding calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
IndiGo purchase BluChips
Usage-based valueThree BluChips per ₹100 only on eligible IndiGo website or app transactions.
Conditions: Three BluChips per ₹100 only on eligible IndiGo website or app transactions.
Other airline, hotel and travel BluChips
Usage-based valueTwo BluChips per ₹100 on eligible airline, hotel, lodging and travel transactions identified by the published MCCs.
Gaming exclusion
Usage-based valueGaming transactions earn no BluChips.
Conditions: Gaming transactions earn no BluChips.
Government exclusion
Usage-based valueGovernment transactions earn no BluChips.
Conditions: Government transactions earn no BluChips.
Other eligible BluChips
Usage-based valueOne BluChip per ₹100 on other eligible retail purchases.
Fees · 3 items
Annual card fee
Cost ₹1,499₹1,499 annual fee before applicable tax.
Joining fee
Cost ₹1,499₹1,499 one-time joining fee before applicable tax.
2,500 renewal BluChips after payment of the annual fee
Shown without a cash value
Welcome benefits · 1 item
2,500 welcome BluChips
Recorded value ₹2,500Welcome airline currency valued at the engine’s conservative ₹1 per BluChip.
Conditions: Pay the applicable joining fee · Complete the first eligible transaction within 60 days · Maintain a linked IndiGo BluChip account
Spend milestones · 3 items
2,500 BluChips at ₹2 lakh
2,500 reward unitsUnlocked after ₹2,00,000 of eligible spending.
Conditions: Reach ₹2,00,000 per card anniversary year
Additional 2,500 BluChips at ₹4 lakh
2,500 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
Additional 2,500 BluChips at ₹6 lakh
2,500 reward unitsUnlocked after ₹6,00,000 of eligible spending.
Conditions: Reach ₹6,00,000 per card anniversary year
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹50,000 per calendar quarter
Travel privileges · 1 item
2 BluChips per ₹100 on other eligible airline, hotel and travel MCCs
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish one universal numeric income threshold for IndiGo SBI Card.
Other benefits · 2 items
1% fuel-surcharge waiver capped at ₹200 per statement cycle on eligible ₹500-₹4,000 fuel purchases
Shown without a cash value3 BluChips per ₹100 on eligible IndiGo purchases
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 3 BluChips per ₹100 on eligible IndiGo purchases
- ✓ 2 BluChips per ₹100 on other eligible airline, hotel and travel MCCs
- ✓ Up to 7,500 cumulative milestone BluChips yearly
- ✓ Four domestic lounge visits yearly after prior-quarter spend
What to watch
There is no annual-fee waiver. IndiGo uses merchant coding for travel accelerators, and lounge access requires ₹50,000 eligible spend in the preceding quarter.
Recorded exclusions
Fuel Commute · Bills Utilities · Rent · Insurance · Wallet load · Cash withdrawal · Balance transfer · Merchant emi · Flexipay · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 23 Sept 2025