Question 1

What is the annual fee on the IndiGo SBI Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the IndiGo SBI Card?

Accepted Answer

You earn 3 points per ₹100 on IndiGo App and Web. Everything else earns 1 point per ₹100. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 300 points, roughly ₹300, which is about 3% back. Utility, Govt Transactions, Rental, Fuel earn nothing at all.

Question 3

Does the IndiGo SBI Card give free airport lounge access?

Accepted Answer

The IndiGo SBI Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

Question 4

What changed on the IndiGo SBI Card recently and is it still worth it in 2026?

Accepted Answer

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions incl. tolls/FASTag, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹1,499 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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