IndiGo SBI Card ELITE
SBI Card · Checked 2026-10-09
IndiGo SBI Card ELITE is a paid card focused on travel benefits, flights and reward points, charging ₹4,999 annually before GST.
CardIQ editorial view
Our take
IndiGo SBI Card ELITE is a paid card focused on travel benefits, flights and reward points, charging ₹4,999 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 7 BluChips per ₹100 on IndiGo app/web; 3 on hotels and travel; 2 on other eligible spends.
- BluChips are airline rewards with variable redemption value.
- Domestic lounge access requires ₹1 lakh spend in the preceding quarter; yearly and quarterly visit limits apply.
Trade-offs to understand
- Domestic lounge access requires ₹1 lakh spend in the preceding quarter; yearly and quarterly visit limits apply.
- The ₹4,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 7 bluchips per ₹100 on indigo app/web; 3 on hotels and travel; 2 on other eligible spends valuable enough to clear the fee. Factor in this condition: Domestic lounge access requires ₹1 lakh spend in the preceding quarter; yearly and quarterly visit limits apply.
Compare before deciding
- Axis Bank ATLAS — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
- Emirates ICICI Bank Sapphiro — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
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Benefits, limits and conditions
- BluChips are airline rewards with variable redemption value.
- Domestic lounge access requires ₹1 lakh spend in the preceding quarter; yearly and quarterly visit limits apply.
- No BluChips on fuel, utility, government, rental, gaming, cross-sell or insurance categories.