Card Details
IndiGo SBI Card
Monzy Score
6/ 10
Decent for lounge-hungry travellers.
Thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
SBI Card
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Type
Reward Points
Card Access
Standard
Offers from SBI Card
See allNeelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026
Earn Points
3 BluChips/₹100
IndiGo app and website spends
2 BluChips/₹100
Hotel/lodging and travel MCC spends
1 BluChip/₹100
Other categories
Benefits
3 BluChips/₹100 on IndiGo spends
- Up to 4 domestic lounge visits/year
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, utility, rent, government, insurance, wallet
Estimated Returns
IndiGo website / app
3 IndiGo BluChips per Rs 100. Redeem 1:1 on IndiGo flights/services.
₹900
Hotels / lodging & travel MCCs
2 BluChips per Rs 100.
₹0
All other spends
1 BluChip per Rs 100. Fuel earns no BluChips but gets 1% surcharge waiver.
₹0
Total Annual Return
₹10,800
3% Effective ROIWhat Users Are Saying
Community Feed
Jun 2026
“People considering the SBI IndiGo Credit Card”
by r/CreditCardsIndia, Jun 2026
“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”
by r/CreditCardsIndia, Nov 2025
“IndiGo is coming out with 2 new cards, partnered with SBI”
by r/CreditCardsIndia, Oct 2025
“Need genuine advice from people who've dealt with SBI”
by r/CreditCardsIndia, Jun 2026
“Get 10% on flight booking (SBI Cashback + Indigo Bluchip)”
by r/CreditCardsIndia, Dec 2025
Frequently Asked Questions
The IndiGo SBI Card charges ₹1,499 plus GST as a joining fee and the same ₹1,499 again at renewal. There is no spend based waiver on this card, so the ₹1,499 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
Exclusions: fuel, utility, rental, government transactions, gaming, insurance and Crossell MCCs, along with cash withdrawals, balance transfers, e-wallet uploads, Flexipay and cashback transactions
Domestic lounge access requires Rs. 50,000 spend in previous quarter
Rewards are earned as 'IndiGo BluChips' which are redeemable within the IndiGo ecosystem.
