What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 1,499 + taxes. The Renewal Fee is Rs. 1,499 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your IndiGo SBI Card at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can make payments at any outlet that accepts MasterCard / RuPay.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaMastercard

IndiGo SBI Card ELITE

TravelEntryMastercardRuPay✦ IndiGo

IndiGo SBI Card ELITE

Fly smarter with IndiGo rewards and lounge perks

Annual fee₹4,999

Rewards2.00%2 IndiGo BluChip per ₹100

Forex markup3.5%3.5% on all foreign currency transactions

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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

2,500 IndiGo BluChips

Type: Miles
Trigger: within 60 days
Partner: IndiGo

Rewards

Base earn rate

2 IndiGo BluChips on ₹100 spent all other spends

IndiGo BluChip

Excludes: Utility, Govt Transactions, Rental, Fuel, Gaming, Cross-Sell, Insurance

Category	Rate	Cap
IndiGo App And Web	—	—
Hotel / Lodging And Travel MCCs	—	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Threshold —→ 2,500 IndiGo BluChips
Threshold —→ 2,500 IndiGo BluChips
Threshold —→ 2,500 IndiGo BluChips

Lounge access

Domestic

4visits / year

Max 1 per quarter
Requires ₹50,000 prior spend

International

6visits / year

Fees & charges

Joining fee: ₹1499 + taxes
Annual / renewal fee: ₹4999 + taxes
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹200/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300

View official MITC →

Insurance covers

Lost card liability

₹1L

Baggage loss

₹75,000

Eligibility

Age: 18+ years

Features

✓ Contactless✓ International usage

Additional features

Easy Bill Pay Facility

No rewards on

Utility · Govt Transactions · Rental · Fuel · Gaming · Cross-Sell · Insurance

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Indigo app web — 7% back

0% of spend100% of spend

Hotel lodging travel mcc — 3% back

0% of spend100% of spend

Remaining 65% of spend earns the 2% base rate.

Rewards / year

₹18,900

≈ 3.15% effective

Annual fee

₹4,999

no published waiver

Net steady-state return

+₹13,901/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹13,901 a year.

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One-time joining fee (year 1 only): ₹4,999

One-time welcome benefit: ~₹5,000 — 5000 IndiGo BluChips (issued as a voucher redeemable in IndiGo's ecosystem) transferred within 15 days of (a) realization of joining fee AND (b) 1st transaction within 60 days of account opening; plus 1 IndiGo 6E Eats voucher (unvaluable, excluded from value). Separately: 4 6E IndiGo Prime Passes on spends of Rs.1 Lakh within 3 months (unvaluable, excluded).

Based on published rates as of 2026-08-07; assumes Marketed redemption path is IndiGo BluChips redeemed on airfare of IndiGo-marketed/operated flights via IndiGo App/Web (T&C 11.5/note: 'IndiGo BluChips can be redeemed only on airfare of flights that are marketed and operated by IndiGo'). Issuer states BluChips have 'monetary equivalent value while redemption is done on IndiGo App/Web' but publishes NO fixed rupee rate for flight redemption. The only first-hand rupee anchor is the statement-debit adjustment clause: '1 IndiGo BluChip = 1 Reward Point = INR 1' (T&C 11.3.24) — applied here as the value proxy (confidence low; flight-redemption value is dynamic against fare and not fixed by issuer).. Rewards estimates, not guarantees.