IndiGo SBI Card
SBI Card · Open to apply
An IndiGo co-brand card: 3 BluChips per ₹100 on the IndiGo app and website, 2 on hotels and travel, 1 elsewhere (not fuel, rent, utilities, insurance, gaming or government), 2,500 BluChips as a welcome gift and again on renewal, and four domestic lounge visits a year on ₹50,000 of quarterly spend.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Base rate
- 1 BluChip per ₹100 on all other spends: 1 IndiGo BluChips per ₹100 (about 0.45% at cash value)
- Lounges
- Domestic: 4 visits a calendar year after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3 BluChips per ₹100 on IndiGo app and website spends: 3 IndiGo BluChips per ₹100 (about 1.35% at cash value)
- 2 BluChips per ₹100 on hotel, lodging and travel MCCs: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
Earns nothing on
- No BluChips at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No BluChips on wallet loads (MCCs 6540, 6541)
- No BluChips on rent and property management (MCCs 6513, 7349)
- No BluChips on utility transactions (MCCs 4814, 4816, 4818, 4899, 4900)
- No BluChips on insurance transactions (MCCs 5960, 6300, 6381 and others)
- No BluChips on gaming (MCCs 5816, 7993, 7994)
- No BluChips on government transactions (MCCs 6011, 6012, 6051, 9311, 9399, 9222, 9402)
- No BluChips on Flexipay
Where the sources disagree
- Fuel surcharge waiver cap: The product page and the T&C's fuel-surcharge clause say a maximum of ₹200 a statement cycle; the FAQ in the same booklet (shared with the ELITE card) says ₹400. We use ₹200.
Terms the calculator does not value
- Cashback transactions and cross-sell spends earn no BluChips; the calculator has no category for them.
- Time-bound and segmented offers (BluChips, Prime Pass, Fast Forward, meal, seat or voucher benefits) are given to some holders on conditions set per offer; none is entered.
Sources
- IndiGo SBI Card product-page data file (fees, rates, milestones, lounges) (Product page, the bank's own, read 6 Nov 2026)
- IndiGo SBI Card Terms & Conditions booklet (rewards programme, lounge access, fuel surcharge, fraud liability) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card domestic lounge list for the IndiGo SBI Cards (Bank notice, the bank's own, read 6 Nov 2026)