How to apply for IndiGo SBI Card ELITE online and what documents are required?
Mahika Kandpal
Asked 23 Feb 2026
Walk me through the online application process for IndiGo SBI Card ELITE. What documents (PAN, Aadhaar, salary slips, bank statements) do I need to keep ready?
2 Answers
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
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