IndiGo SBI Card ELITE
SBI Card · Open to apply
The premium IndiGo co-brand card: 7 BluChips per ₹100 on the IndiGo app and website, 3 on hotels and travel, 2 elsewhere (not fuel, rent, utilities, insurance, gaming or government), 5,000 BluChips and a 6E Eats voucher as a welcome gift and on renewal, eight domestic and six international lounge visits a year, and 6,000 BluChips for each ₹3 lakh of annual spend up to ₹12 lakh.
- Annual fee
- ₹4,999 + GST a year
- Joining fee
- ₹4,999 + GST
- Base rate
- 2 BluChips per ₹100 on all other spends: 2 IndiGo BluChips per ₹100 (about 0.9% at cash value)
- Lounges
- Domestic: 8 visits a calendar year after ₹1,00,000 spend; International: 6 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 7 BluChips per ₹100 on IndiGo app and website spends: 7 IndiGo BluChips per ₹100 (about 3.15% at cash value)
- 3 BluChips per ₹100 on hotel, lodging and travel MCCs: 3 IndiGo BluChips per ₹100 (about 1.35% 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
- Baggage cover: The product page says lost baggage cover of up to ₹75,000; the T&C's coverage table says up to ₹72,000. We use the T&C.
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 ELITE product-page data file (fees, rates, milestones, lounges) (Product page, the bank's own, read 6 Nov 2026)
- IndiGo SBI Card ELITE Terms & Conditions booklet (rewards programme, lounge access, Priority Pass, fuel surcharge, insurance) (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)