IndiGo SBI Credit Card vs IndiGo SBI ELITE Credit Card

Updated on April 11, 2026

Author: MybankingTips Team

The IndiGo SBI Credit Card and IndiGo SBI ELITE Credit Card are two co-branded travel credit cards in India offered in partnership with IndiGo Airlines. Both cards allow cardholders to earn IndiGo BluChips on spending, which can be redeemed for flight bookings on IndiGo. These cards are mainly designed for travellers who frequently fly with IndiGo and want to earn rewards on their travel spends.

The IndiGo SBI ELITE Credit Card is the premium option with higher rewards, more lounge access, and better milestone benefits. On the other hand, the IndiGo SBI Credit Card comes with a lower annual fee and offers basic travel benefits, making it suitable for moderate travellers. In this comparison, we will look at fees, reward rates, lounge access, and milestone benefits to help you choose the right card.

Fee Structure

Before applying for a credit card, it is important to understand the joining and annual fees. A card with higher fees should offer enough benefits to justify the cost.

Particulars	IndiGo SBI Credit Card	IndiGo SBI ELITE Credit Card
Joining Fee	₹1,499 + GST	₹4,999 + GST
Annual Fee	₹1,499 + GST	₹4,999 + GST
Welcome Benefits	2,500 IndiGo BluChips	5,000 IndiGo BluChips + 1 6E Eats Voucher

Which Card Offers Better Value?

The IndiGo SBI Credit Card is more affordable with a joining fee of ₹1,499, making it suitable for travellers looking for airline benefits at a lower cost. In comparison, the IndiGo SBI ELITE Credit Card charges ₹4,999 but provides higher welcome rewards and additional travel perks. If you travel frequently with IndiGo, the ELITE card can offer better long-term value.

Reward Structure

Both cards allow you to earn IndiGo BluChips on spending. However, the reward rate is higher on the ELITE variant.

Spending Category	IndiGo SBI Credit Card	IndiGo SBI ELITE Credit Card
IndiGo App/Website Bookings	3 BluChips per ₹100	7 BluChips per ₹100
Hotel, Lodging, Travel	2 BluChips per ₹100	3 BluChips per ₹100
Everyday Spending	1 BluChip per ₹100	2 BluChips per ₹100

The IndiGo SBI ELITE Credit Card clearly offers a higher reward rate across most spending categories. Since BluChips are credited after each billing cycle, the higher earning rate helps frequent travellers accumulate rewards faster.

Airport Lounge Access

Airport lounge access is an important benefit for frequent travellers who want comfort before their flight.

Feature	IndiGo SBI Credit Card	IndiGo SBI ELITE Credit Card
Domestic Lounge Access	4 visits per year (₹50,000 quarterly spend required)	8 visits per year (Max 2 per quarter with ₹1,00,000 spend)
International Lounge Access	Not Available	6 visits per year (Max 2 per quarter)

The IndiGo SBI ELITE Credit Card offers better lounge access with both domestic and international lounge visits, making it a stronger option for frequent travellers.

Milestone Benefits

Milestone benefits allow cardholders to earn additional BluChips after reaching certain spending thresholds.

Card	Spending Milestones	Rewards
IndiGo SBI Credit Card	₹2L, ₹4L, ₹6L yearly spend	2,500 BluChips each milestone (Up to 7,500 yearly)
IndiGo SBI ELITE Credit Card	₹3L, ₹6L, ₹9L, ₹12L yearly spend	6,000 BluChips each milestone (Up to 24,000 yearly)

The IndiGo SBI ELITE Credit Card provides much higher milestone rewards, but it also requires higher annual spending.

Bottom Line

Both the IndiGo SBI Credit Card and the IndiGo SBI ELITE Credit Card offer good benefits for IndiGo travellers. The standard card is ideal for moderate travellers who want airline rewards with a lower annual fee.

However, if you travel frequently and spend more on flights and lifestyle purchases, the IndiGo SBI ELITE Credit Card offers higher rewards, better milestone benefits, and wider lounge access. Choosing between these two SBI credit cards depends on your travel frequency and spending habits.