IndiGo SBI Card

Key Features & Benefits

The IndiGo SBI Card is designed specifically for travelers who prefer IndiGo Airlines. Every flight booking earns you 3 BluChips per ₹100 spent, which translates directly to savings on future flights since 1 BluChip equals ₹1 when redeemed for IndiGo bookings. Beyond flight purchases, you earn 2% on hotel and travel spends and 1% on everyday purchases.

What sets this card apart is its milestone bonus structure—spend ₹2 lakh, ₹4 lakh, or ₹6 lakh annually and unlock 2,500 bonus BluChips at each tier. That’s an additional 7,500 BluChips if you maximize all milestones. The welcome bonus of 2,500 BluChips essentially recovers your joining fee immediately.

Cardholders enjoy 4 complimentary domestic lounge visits per year (one per quarter), provided you meet the ₹50,000 quarterly spending threshold. Add in the 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, and you have a card that rewards your travel lifestyle comprehensively.

All You Need to Know About: IndiGo SBI Card

The IndiGo SBI Card is a co-branded credit card issued by SBI Cards & Payment Services Ltd. in partnership with IndiGo Airlines, India’s largest domestic carrier. Available on Mastercard, RuPay, and Visa networks, this card is specifically designed for frequent IndiGo travelers seeking to maximize rewards on their flight bookings and travel-related expenses.

The card’s core value proposition centers on its reward structure using IndiGo BluChips as the loyalty currency. Cardholders earn 3 BluChips per ₹100 spent on IndiGo flight bookings through the airline’s app or website, 2 BluChips per ₹100 on hotel, lodging, and travel-related merchant transactions, and 1 BluChip per ₹100 on all other eligible purchases. Notably, utilities, government transactions, rental payments, fuel, gaming, and insurance purchases are excluded from earning rewards. The real appeal lies in the redemption value—1 BluChip equals ₹1 when used for IndiGo flight bookings, providing a straightforward 3% return on airline spends.

The card features an aggressive milestone bonus program, rewarding cardholders with 2,500 bonus BluChips at three spending thresholds: ₹2 lakh, ₹4 lakh, and ₹6 lakh annually. This adds up to 7,500 BluChips in bonus rewards for high spenders. New cardholders receive 2,500 BluChips as a welcome benefit after paying the annual fee and completing their first transaction within 60 days. Annual renewal also brings 2,500 BluChips each year.

The annual fee stands at ₹1,499 plus GST, but is fully waived on annual spends of ₹3 lakh or more, making it cost-effective for regular users. Additional benefits include 4 complimentary domestic lounge visits per year (capped at one per quarter, conditional on ₹50,000 quarterly spend), and a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at petrol pumps across India, with a maximum waiver of ₹200 per statement cycle. The minimum income requirement is approximately ₹3 lakh annually for salaried, self-employed, and business applicants.

Pros & Cons

How to Apply

Applying for the IndiGo SBI Card is straightforward. Visit the official SBI Card website at sbicard.com or apply through the IndiGo 6E Rewards portal. Click on “Apply Now” and fill in your personal, employment, and income details. You’ll need to submit KYC documents including identity proof (Aadhaar/PAN), address proof, and income documents (salary slips or ITR). Once submitted, your application is typically processed within 7-15 working days, and the card is delivered to your registered address upon approval.

Detailed Fee Structure

The IndiGo SBI Card charges a joining fee of ₹1,499 plus 18% GST (total ₹1,769), which is a one-time payment. The annual renewal fee is also ₹1,499 plus GST, charged every year. However, this annual fee is completely waived if you spend ₹3 lakh or more during your card membership year, making it cost-effective for regular users. Add-on cards for family members are issued free of charge.

Beyond the annual fee, be aware of cash advance fees at 2.5% of the withdrawn amount (minimum ₹500 per transaction). Late payment charges and over-limit fees apply as per standard SBI Card policies. The card carries a monthly interest rate of 3.50% (42% annualized) on unpaid balances, so it’s wise to clear your dues on time. Foreign transactions attract a 3.5% markup fee on the converted amount.

Who Should Get This Card?

The IndiGo SBI Card is tailor-made for frequent IndiGo flyers who make multiple domestic trips annually. If you book 3-4 or more IndiGo flights per year, the 3% reward rate and milestone bonuses will significantly offset your travel costs. It’s also ideal for individuals with annual spending between ₹3-6 lakhs who want to earn the fee waiver and maximize milestone bonuses. Business travelers, consultants, and sales professionals who regularly fly IndiGo for work will find exceptional value. However, if you fly multiple airlines or prefer international travel, premium multi-airline cards might serve you better.

Alternatives & Competitor Comparison

Feature	IndiGo SBI Card	IndiGo Kotak Credit Card
Card Image
Card Network	Mastercard, RuPay, Visa	RuPay, Visa
USP	The IndiGo SBI Card delivers up to 3% BluChips rewards on IndiGo flight bookings, milestone bonuses up to 7,500 BluChips annually, and quarterly domestic lounge access, making it perfect for frequent IndiGo flyers seeking maximum value on air travel and accelerated reward earning.	The IndiGo Kotak Credit Card delivers exceptional value for frequent IndiGo flyers with 19 BluChips per ₹100 spent on flight bookings via the IndiGo app or website, plus milestone rewards of 2,500 BluChips at ₹1.25L, ₹2.5L, and ₹6L spend thresholds, making it the perfect co-branded card for domestic travelers seeking maximum savings on India's largest airline.
Annual Fee	1499 Plus GST	1500 Plus GST
Joining Fee	1499 Plus GST	1500 Plus GST
Welcome Benefits	2,500 IndiGo BluChips credited after annual fee payment and first transaction within 60 days of account opening	Get 2,500 IndiGo BluChips voucher on card activation, valid for 6 months, redeemable on IndiGo flights and add-ons
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000 or more in the preceding quarter	N/A
Reward Rate	Earn 3 IndiGo BluChips (3%) per ₹100 on IndiGo bookings, 2 BluChips (2%) per ₹100 on hotel/lodging and travel spends, and 1 BluChip (1%) per ₹100 on all other spends (excluding utility, government, rental, fuel, gaming, and insurance transactions). Additional milestone bonuses of 2,500 BluChips each at ₹2 lakh, ₹4 lakh, and ₹6 lakh annual spends.	Earn 19 BluChips per ₹100 on IndiGo app/website bookings, 2 BluChips per ₹100 on dining & entertainment, and 1 BluChip per ₹100 on other categories. milestone bonuses: 2,500 BluChips each at ₹1.25L, ₹2.5L, and ₹6L spends.
Interest Rate	3.50% per month (42% per annum)	3.75% per month (45% per annum)
Best For	Travel	Flight Bookings
Apply Now	Apply Now	Apply Now

Frequently Asked Questions