Verified 5 Aug
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?
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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