IndiGo SBI Card ELITE
SBI Card · Mastercard + RuPay · Premium card
A high-earn airline card for frequent IndiGo travellers who can also use its international lounge and low-forex benefits.
Frequent IndiGo flyers with substantial annual travel and international lounge use.
Terms checked 24 Sept 2026
- Annual fee
- ₹4,999 + GST
- Joining fee
- ₹4,999 + GST
- Base reward rate
- 2%
- Forex markup
- 2.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 3% IndiGo ecosystem only |
| Online shopping | 2% |
| Groceries & essentials | 2% |
| Dining & delivery | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Education & family | 2% |
| Healthcare & pharmacy | 2% |
| Subscriptions & streaming | 2% |
| Offline store shopping | 2% |
| International spending | 2% |
| Gold & jewellery | 2% |
| Other miscellaneous | 2% |
| 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
8 domestic airport lounge visits per year • 6 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹1,00,000 per Calendar quarter for the following calendar quarter
6 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Maximum two complimentary international visits per calendar quarter; visits in India through Priority Pass are chargeable.
Spend condition: Spend ₹1 lakh in the preceding calendar quarter for domestic access.
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 valueSeven BluChips per ₹100 only on eligible IndiGo website or app transactions.
Conditions: Seven BluChips per ₹100 only on eligible IndiGo website or app transactions.
Other airline, hotel and travel BluChips
Usage-based valueThree 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 valueTwo BluChips per ₹100 on other eligible retail purchases.
Fees · 2 items
Annual card fee
Cost ₹4,999₹4,999 annual fee before applicable tax.
Joining fee
Cost ₹4,999₹4,999 one-time joining fee before applicable tax.
Welcome benefits · 2 items
5,000 welcome BluChips
Recorded value ₹5,000Welcome 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
6E Eats welcome voucher
Shown without a cash valuePartner dining voucher under issuer fulfilment terms; no guaranteed cash-equivalent value is assigned.
Conditions: Pay the applicable joining fee and complete the qualifying transaction · Voucher outlet, validity and usage restrictions apply
Spend milestones · 5 items
6,000 BluChips at ₹3 lakh
6,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Additional 6,000 BluChips at ₹6 lakh
6,000 reward unitsUnlocked after ₹6,00,000 of eligible spending.
Conditions: Reach ₹6,00,000 per card anniversary year
Additional 6,000 BluChips at ₹9 lakh
6,000 reward unitsUnlocked after ₹9,00,000 of eligible spending.
Conditions: Reach ₹9,00,000 per card anniversary year
Additional 6,000 BluChips at ₹12 lakh
6,000 reward unitsUnlocked after ₹12,00,000 of eligible spending.
Conditions: Reach ₹12,00,000 per card anniversary year
5,000 renewal BluChips and one 6E Eats voucher after payment of the annual fee
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹1,00,000 per calendar quarter
International lounge access
Usage-based value6 visits per year through Priority Pass. Guest access: chargeable. Maximum two complimentary international visits per calendar quarter; visits in India through Priority Pass are chargeable.
Travel privileges · 1 item
3 BluChips per ₹100 on other eligible airline, hotel and travel MCCs
Shown without a cash value
Insurance and protection · 3 items
Four eligible flight-cancellation claims yearly up to ₹3,000 each
Shown without a cash valueLost-baggage cover up to ₹72,000
Shown without a cash valueLost-card liability cover up to ₹1 lakh
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1.99% 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 ELITE.
Other benefits · 3 items
Four 6E Prime passes after ₹1 lakh eligible spend within three months of card issuance; no guaranteed cash value is assigned
Shown without a cash value1% fuel-surcharge waiver capped at ₹400 per statement cycle on eligible ₹500-₹4,000 fuel purchases
Shown without a cash value7 BluChips per ₹100 on eligible IndiGo purchases
Shown without a cash value
Other categories (8)
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 ↗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
- ✓ 7 BluChips per ₹100 on eligible IndiGo purchases
- ✓ 3 BluChips per ₹100 on other eligible airline, hotel and travel MCCs
- ✓ Up to 24,000 cumulative milestone BluChips yearly
- ✓ Eight domestic and six international lounge visits yearly
What to watch
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.
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