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IndiGo SBI Card
IndiGo SBI Card is the accessible entry point into SBI's IndiGo co-brand lineup, earning 3 BluChips per Rs 100 on IndiGo bookings alongside a recurring annual BluChip bonus on fee renewal. It's positioned for occasional IndiGo flyers who want a taste of airline co-brand rewards without committing to the ELITE variant's higher fee, though the lounge access and forex terms are correspondingly more modest.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per year (max 1 per quarter), unlocked by Rs. 50,000 spend in the preceding quarter
- Insurance benefits: Lost card liability cover up to Rs 1 lakh and lost check-in baggage cover up to Rs 72,000 for IndiGo travel
Benefits by category
- ✈️ Travel
3% reward rate · 4 complimentary domestic airport lounge visits per year (max 1 per quarter), unlocked by Rs. 50,000 spend in the preceding quarter
- 🛡️ Insurance
Lost card liability cover up to Rs 1 lakh and lost check-in baggage cover up to Rs 72,000 for IndiGo travel
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 200 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 200 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 2,500 IndiGo BluChips welcome bonus on joining, renewing as another 2,500 BluChips each year on fee payment
- 4 complimentary domestic airport lounge visits per year (max 1 per quarter), unlocked by Rs. 50,000 spend in the preceding quarter
- 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, max Rs. 200 per statement cycle
- Lost card liability cover up to Rs 1 lakh and lost check-in baggage cover up to Rs 72,000 for IndiGo travel
- 2,500 IndiGo BluChips voucher on annual spends of Rs. 2 lakh, Rs. 4 lakh and Rs. 6 lakh each
Pros
- + Accessible fee for an airline co-brand card
- + 3 BluChips per Rs 100 on IndiGo spends
- + Welcome and annual renewal BluChip bonuses
- + 4 domestic lounge visits included
- + Lost baggage and card liability cover for IndiGo travel
Cons
- − No spend-based annual fee waiver option
- − Only domestic lounge visits, no international lounge access
- − Standard 3.5% forex markup makes it weak for international spends