IndiGo SBI Card ELITE by SBI Card

Quick answer

IndiGo SBI Card ELITE at a glance: The IndiGo SBI Card ELITE from SBI Card is a premium credit card aimed at airlines, travel, premium and lounge-access spenders, offering 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment rewards and ₹4,500 annual fee (waivable on minimum spend). Eligibility floor: minimum income ₹8,00,000 per annum. Compare it against the SBI Card MILES ELITE if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR: Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate: The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge: The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit: The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI: Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card: A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle: The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit: A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit: An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT: Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C: Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge: The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees: 18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

IndiGo SBI Card ELITE at a glance

Annual fee: ₹4,500
Reward rate: 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome benefit: Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Best for: airlines, travel, premium

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IndiGo SBI Card ELITE

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5,000 IndiGo BluChips & 6E Eats voucher — Best for airlines · travel · premium.

Data as of 23 Jun 2026

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Fee Waiver

Spend to waive: Waived on annual spends ≥ ₹5,00,000.

Annual fee: ₹4,500

Compare

IndiGo SBI Card ELITE vs SBI Card MILES ELITE →IndiGo SBI Card ELITE vs SBI Card Tata Neu →IndiGo SBI Card ELITE vs SBI BPCL Credit Card →

Welcome Offer

Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher

Card Snapshot

Joining Fee

₹4,500

Annual Fee

₹4,500

Reward Rate

5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment

Minimum Income

N/A

Complimentary airport lounge accessBuilt-in travel / air accident insuranceFuel surcharge waiver at HPCL / partner pumpsAnnual fee of ₹4,500 — only worth it for high spendersMinimum income requirement of ₹8.0 lakh — not for entry-level earners

About

Premium co-branded IndiGo SBI Card ELITE with 6 complimentary domestic lounge accesses per year, higher BluChip earn rate, and milestone bonuses on annual IndiGo spends.

Welcome Benefit

Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher

Card Benefits

Lounge Access1 benefit

Insurance1 benefit

Concierge Service1 benefit

Golf Benefits1 benefit

GasPump Surcharge Waiver1 benefit

Travel Benefits2 benefits

Wallet & Cashback1 benefit

Best For

airlines

travel

premium

Foreign exchange, lounges & network

Forex Markup

2.00

Lower forex markup than base IndiGo card.

Lounge Access

6 complimentary domestic + 2 international lounge visits per year via Visa/Mastercard program.

Network

Visa

Accepted at millions of merchants worldwide

Editorial review

Everything you need to know about IndiGo SBI Card ELITE

~888 words

Data as of 12 Aug 2026

What is IndiGo SBI Card ELITE?

5,000 IndiGo BluChips & 6E Eats voucher — Best for airlines · travel · premium.

Premium co-branded IndiGo SBI Card ELITE with 6 complimentary domestic lounge accesses per year, higher BluChip earn rate, and milestone bonuses on annual IndiGo spends.

IndiGo SBI Card ELITE is issued by SBI Card on the Visa network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹4,500 (joining fee ₹4,500). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for airlines, travel, premium; the rest of this page breaks down what that means in practice.

Fees and charges explained

IndiGo SBI Card ELITE charges the fees listed below. Annual and joining fees are set by SBI Card and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹4,500
Annual fee: ₹4,500
forex markup fee: 2% Lower forex markup than base IndiGo card.
late payment fee: ₹950
over limit fee: ₹600
cash advance fee: 2.5%
fuel surcharge: ₹1 (waivable)
card replacement fee: ₹100

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing IndiGo SBI Card ELITE against another card on cost alone, the cleanest comparison is ₹4,500 joining + ₹4,500/yr vs. the equivalent on the alternative.

Rewards, points, and cashback on IndiGo SBI Card ELITE

IndiGo SBI Card ELITE earns 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment on eligible spends.

Reward rates by category:

airlines: 5.00 BluChips per Rs 1 spent
Premium earn rate on IndiGo spends.
dining: 2.00 BluChips per Rs 1 spent
all: 2.00 BluChips per Rs 1 spent

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on IndiGo SBI Card ELITE reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Beyond the headline reward rate, IndiGo SBI Card ELITE includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

Welcome BluChips bundle — 5,000 BluChips + 6E Eats
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher credited on payment of joining fee.
Domestic & international lounge access — 6 + 2 / year
6 complimentary domestic + 2 international lounge visits per year via Visa/Mastercard program.
IndiGo Fast-Forward discount — Up to ₹3,000
Up to ₹3,000 off on IndiGo ticket via Fast-Forward discount on crossing ₹1L quarterly milestone.
Free ticket on milestone
Up to 1 complimentary IndiGo return ticket (capped) on annual spends ≥ ₹5,00,000.
Comprehensive travel insurance — ₹1 crore
Air accident insurance up to ₹1 crore + lost-card liability cover of ₹1 lakh.
Fuel surcharge waiver — Up to ₹250 / month
1% fuel surcharge waiver at HPCL pumps, capped at ₹250 per billing cycle.
Golf games — Up to 4 / year
Up to 4 complimentary green-fee games per year at select Indian golf courses.
24x7 concierge service
Visa Infinite / World concierge assistance for travel, dining & emergency support.

Insurance and consumer protection: most Visa cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if IndiGo SBI Card ELITE advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

Eligibility: who should apply for IndiGo SBI Card ELITE

IndiGo SBI Card ELITE targets applicants who are 21-65 years old and earn at least ₹8,00,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (750+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / Self-employed both qualify for most cards), and your existing relationship with SBI Card — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: Excellent credit score (CIBIL 750+) preferred for premium card. Eligible professions include: Salaried professionals, Self-employed, Business owners.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

Documents you will need

When you apply for IndiGo SBI Card ELITE, SBI Card will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

pan card — required
aadhaar card — required
passport — optional. Required for international lounge access.
passport size photo — required
salary slip — required
bank statement — required
itr — optional
form 16 — optional

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.

How to apply

How to apply for IndiGo SBI Card ELITE

Check eligibility
Confirm you meet the minimum income and credit score requirements using our eligibility checker.
Gather your documents
Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.
Apply on the bank's website
Click Apply Now. You'll be redirected to SBI Card to complete the application — FinWiz24 never sees your data.

FAQ

Frequently asked questions about IndiGo SBI Card ELITE

What are the fees on IndiGo SBI Card ELITE?

IndiGo SBI Card ELITE has a joining fee of ₹4,500 and an annual fee of ₹4,500. The annual fee may be waived if you meet the bank's spend or relationship conditions.

Who is eligible for IndiGo SBI Card ELITE?

Applicants need a minimum income of ₹8,00,000 per annum and a credit score of at least 750. Salaried and self-employed individuals can apply.

How does the rewards program on IndiGo SBI Card ELITE work?

IndiGo SBI Card ELITE earns 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment on your spending. New cardholders also receive a welcome benefit worth checking the terms for. (Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher)

What documents are needed to apply for IndiGo SBI Card ELITE?

You'll need a PAN card, an address proof (Aadhaar / passport / utility bill), an income proof (salary slip, Form 16, or ITR), and a passport-size photograph. Existing customers of SBI Card may have a simpler flow.

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IndiGo SBI Card ELITE

IndiGo SBI Card ELITE at a glance

About

Welcome Benefit

Card Benefits

Lounge Access1

Insurance1

Concierge Service1

Golf Benefits1

GasPump Surcharge Waiver1

Travel Benefits2

Wallet & Cashback1

Best For

Categories

Foreign exchange, lounges & network

How to apply for IndiGo SBI Card ELITE

Check eligibility

Gather your documents

Apply on the bank's website

Frequently asked questions about IndiGo SBI Card ELITE

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