About IndiGo SBI Card ELITE
IndiGo SBI Card ELITE is a co-branded credit card designed for frequent flyers of IndiGo. This SBI credit card offers up to 7% value-back as IndiGo BluChips on travel spends, which can be redeemed on the IndiGo app or website. It is available only to users with an active IndiGo BluChip membership and also provides bonus BluChips on joining, renewal, and milestone spends, helping users offset the annual fee.
The card is tailored for IndiGo loyalists, offering benefits focused mainly on travel savings. It stands out among options like IndiGo Kotak XL Credit Card and IndiGo IDFC FIRST Dual Credit Card, especially in terms of airport lounge access credit cards, as it provides better worldwide lounge access compared to its counterparts.
However, while it excels in lounge benefits and travel perks, the reward rate on IndiGo spends is lower compared to competitors that offer up to 22% returns. Overall, this card is best suited for users who prioritize lounge access and consistent travel benefits over higher reward rates.
Also Read: Best Credit Cards in India 2026
IndiGo SBI Card ELITE Rewards Program
Rewards Program
- Earn 7 IndiGo BluChips per ₹100 on bookings via IndiGo website/app
- Earn 3 IndiGo BluChips per ₹100 on hotel and travel spends
- Earn 2 IndiGo BluChips per ₹100 on other spends
Rewards Redemption
- Redeem BluChips at 1:1 value on IndiGo website or app
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Get 5,000 IndiGo BluChips and a 6E Eats voucher on your first transaction within 60 days
- Get 4 complimentary 6E Prime passes on spending ₹1 lakh within 90 days
Also Check: Credit Cards with the Best Sign-up/Welcome Bonus
Renewal Benefit
- Receive 5,000 IndiGo BluChips and 1 6E Eats voucher on annual fee payment
Lounge Access
- Get up to 8 domestic lounge visits per year (max 2 per quarter on ₹1 lakh quarterly spend)
- Enjoy up to 6 international lounge visits per year (max 2 per quarter)
Milestone Benefits
- Earn 6,000 IndiGo BluChips each on ₹3L, ₹6L, ₹9L and ₹12L annual spends
Insurance Benefits
- Get 4 flight cancellations per year (up to ₹3,000 each)
- Get lost card liability cover up to ₹1 lakh
- Get baggage loss cover up to ₹72,000
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹400 per month
Also Read: Best Fuel Credit Cards
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 4,999 + Applicable Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 500 | Nil | | More than Rs. 500 up to Rs. 1,000 | Rs. 400 | | More than Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | More than Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For IndiGo SBI Card ELITE
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
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Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IndiGo SBI Card ELITE Highlights
What do we like about this card?
- Get up to 8 domestic lounge visits per year (max 2 per quarter on ₹1 lakh quarterly spend)
- Enjoy up to 6 international lounge visits per year (max 2 per quarter)
- Earn 6,000 IndiGo BluChips each on ₹3L, ₹6L, ₹9L and ₹12L annual spends
- Get 5,000 IndiGo BluChips and a 6E Eats voucher on your first transaction within 60 days
- Get 4 complimentary 6E Prime passes on spending ₹1 lakh within 90 days
- Earn 7 IndiGo BluChips per ₹100 on bookings via IndiGo website/app
- Earn 3 IndiGo BluChips per ₹100 on hotel and travel spends
- Earn 2 IndiGo BluChips per ₹100 on other spends
Things to Know Before you apply
Get this card if:
- You frequently travel by flights and prefer flying with IndiGo
- You want a co-branded travel credit card and already have cards for other spends
- You have or are willing to get an IndiGo BluChips membership
Pros
- Up to 8 domestic and 6 international lounge visits every year
- Up to 7% value-back on travel spends
- Up to 24,000 IndiGo BluChips annually through milestone benefits
- Free flight cancellation cover (up to 4 times a year)
- Bonus BluChips and 6E Eats voucher on fee payment
Cons
- No major benefits on non-travel spends
- IndiGo BluChips membership is mandatory
- Domestic lounge access comes with spend conditions
- No option for annual fee waiver
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
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Frequently Asked Questions
You can activate your account by signing up on the IndiGo website or app, verifying your mobile number and email via OTP, and setting a password.
No, the BluChips earned through this card do not expire.
No, this card does not offer any annual fee waiver option.
No, you must already have an active IndiGo BluChip membership to apply for this card.
You can redeem BluChips by logging into your IndiGo account, selecting the “Pay with points” option during booking, choosing passengers, and completing the payment using points after OTP verification.
