IndiGo SBI Card ELITE
The IndiGo SBI Card ELITE is SBI's premium co-brand for India's largest airline, carrying a ₹4,999 joining and renewal fee. It earns 7 IndiGo BluChips per ₹100 on IndiGo app and web bookings (about 2.9% back — we value a BluChip at 42 paisa, matching our transfer graph, not the ₹1 that belonged to the retired 6E Rewards currency), 3 per ₹100 on hotel and travel spends and 2 per ₹100 elsewhere, though utility, government, rent, fuel and insurance earn nothing. 5,000 BluChips plus a 6E Eats voucher land every year the renewal fee is realised — a recurring benefit, not a one-off welcome — alongside up to 24,000 milestone BluChips a year and 4 6E Prime Passes. It layers on 8 domestic and 6 international lounge visits a year, travel insurance with 4 free flight cancellations, and a 1% fuel surcharge waiver.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹5,000 in vouchers, points or cashback on card activation
️ 2.94% on Travel
7 IndiGo BluChips per Rs.100 on IndiGo App and Web bookings (~2.9%). We value a BluChip at 42 paisa, matching transfer-data/partners.yml — SBI publishes no redemption value, and BluChips cover base fare only. The familiar '1 BluChip = Re.1' belonged to 6E Rewards, the retired HDFC co-brand currency
️ 1.26% on Travel
3 IndiGo BluChips per Rs.100 on hotel/lodging and travel MCCs
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Milestone Bonus
~₹2,520 in bonus rewards on hitting annual spend milestones
️ Insurance Cover
4 free flight cancellations a year (up to Rs.3,000 each), lost card liability cover up to Rs.1 lakh, and lost baggage cover up to Rs.72,000.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 2.94% | — |
| Travel | airline miles | 1.26% | — |
| Other | airline miles | 0.84% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹5,899 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹34,580/yr in total.
milestone bonus ~ ₹2,520 /yr
6,000 IndiGo BluChips at Rs.300,000 of annual spend
milestone bonus ~ ₹2,520 /yr
A further 6,000 IndiGo BluChips at Rs.600,000 of annual spend
milestone bonus ~ ₹2,520 /yr
A further 6,000 IndiGo BluChips at Rs.900,000 of annual spend
milestone bonus ~ ₹2,520 /yr
A further 6,000 IndiGo BluChips at Rs.1,200,000 of annual spend
milestone bonus ~ ₹2,100 /yr
5,000 IndiGo BluChips plus a 6E Eats voucher every year the RENEWAL fee is realised — a recurring benefit, not a one-off welcome
milestone bonus ~ ₹6,000 /yr
4 6E IndiGo Prime Passes on Rs.1 lakh of spend within 3 months of card issuance
️ lounge access ~ ₹12,000 /yr
8 domestic lounge visits a year (max 2 a quarter, needs Rs.1L spend the previous calendar quarter) + 6 international Priority Pass visits a year — SBI sets NO per-quarter limit on the international ones. Priority Pass is primary-cardholder only; the ELITE card is not accepted at the lounge
fuel waiver ~ ₹2,400 /yr
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India; maximum waiver Rs.400 per statement cycle.
️ insurance ~ ₹2,000 /yr
4 free flight cancellations a year (up to Rs.3,000 each), lost card liability cover up to Rs.1 lakh, and lost baggage cover up to Rs.72,000.
Milestone ladder
- 1₹1,00,000 a year₹6,000 of value
- 2₹3,00,000 a year₹2,520 of value
- 3₹6,00,000 a year₹2,520 of value
- 4₹9,00,000 a year₹2,520 of value
- 5₹12,00,000 a year₹2,520 of value
Should you get it?
Best for: Frequent IndiGo flyers, Travellers wanting domestic and international lounges, High spenders chasing milestone BluChips, IndiGo 6E Eats and 6E Prime users
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Travel ( 2.94% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 7 IndiGo BluChips per Rs.100 on IndiGo bookings (about 2.9% at our 42-paisa valuation) — the strongest IndiGo earn of any card
- Both domestic and international complimentary lounge access
- Up to 24,000 milestone BluChips a year, plus 5,000 BluChips and a 6E Eats voucher every year the renewal fee is paid
- Travel insurance including free flight cancellations and lost-baggage cover
✕ Cons
- Best value needs IndiGo bookings; base 2 BluChips per Rs.100 is ordinary
- Rs.4,999 annual fee with no renewal-fee waiver
- Lounge visits are conditional on prior-quarter spend of Rs.1 lakh
- Fuel, utility, rent, government and insurance spends earn nothing
Eligibility & documents
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 BluChips auto-credit to your IndiGo BluChip account every statement cycle
🎁 Redeem BluChips against IndiGo flight bookings on the IndiGo app or website (1 BluChip is about Rs.1)
🎁 Welcome and milestone BluChips are issued as vouchers credited to the same account
What your IndiGo BluChip are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
IndiGo fares on the 6E app ₹0.42 per BluChip against IndiGo base fare; airline-only, and BluChips expire with account inactivity
The concern Best value needs IndiGo bookings, the ₹4,999 fee has no spend-based waiver, though 5,000 BluChips and a 6E Eats voucher land every year you pay it, and lounge access is conditional on ₹1 lakh of prior-quarter spend.
The bottom line
This is a solidly constructed premium airline co-brand, and for a cardholder who flies IndiGo regularly, the ₹4,999 fee pays for itself without much strain — route your IndiGo bookings through it, work toward the spending milestones, and make use of both the domestic and international lounge access. Travellers who don't fly IndiGo often would be better off with the entry-level version of this card or a more flexible travel card altogether.
Sources & verification
Fees, reward rates, and benefits for the IndiGo SBI Card ELITE are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 2 changes · last change Nov 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 2 changes — 1 cut, 1 neutral
▼ Fee Effective 1 Nov 2025
System-wide 1% fee on third-party education payments and large wallet loads
SBI Card added a 1% fee on education-fee payments made through third-party apps or aggregators (Paytm/PhonePe/Razorpay etc.; direct school/college or campus-POS payments stay free) and a 1% fee on digital-wallet loads above ₹1,000. A portfolio-wide charge that applies to this card too.
Verification: SBI Card ↗ · Confidence: High
◆ Launch Effective 25 Sept 2025
IndiGo SBI Card ELITE launches
SBI Card and IndiGo launched the premium tier of their IndiGo BluChip co-brand at a ₹4,999 joining and renewal fee — 7 BluChips per ₹100 on IndiGo bookings, 5,000-BluChip welcome, up to 24,000 milestone BluChips, and 8 domestic plus 6 international lounge visits a year. Distinct from the separate Axis×IndiGo cards.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Premium credit card
Reward rate 0.84%–2.94%
Best for Frequent IndiGo flyers
Joining fee ₹4,999
Annual fee ₹4,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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