Mastercard
SState Bank of India
KVB SBI Card PRIME
Joining₹3.0K
Annual₹3.0K/yr
RewardEarn 2 reward points per Rs. 100 on all other retail spends, except fuel
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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%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).
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 | Details |
|---|---|
| IndiGo App and Web | 3 IndiGo BluChips on Rs. 100 spent on IndiGo App and Web |
| Hotel / Lodging and Travel MCCs | 2 IndiGo BluChips on Rs. 100 spent on Hotel / Lodging and Travel MCCs. |
Redemption options
IndiGo flights:Redeem IndiGo BluChips on IndiGo App / Website
- • 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
- 2,500 IndiGo BluChips on spends of Rs. 2 lakhsPer threshold
- 2,500 IndiGo BluChips on spends of Rs. 4 lakhsPer threshold
- 2,500 IndiGo BluChips on spends of Rs. 6 lakhsPer threshold
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 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹1,000 | ₹500 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
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?
₹10,000₹5,00,000
0% of spend100% of spend
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.
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.
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