SBI Card
Gold · IndiGo
IndiGo SBI Credit Card
SBI Card
Earn 3 BluChips per ₹100 on IndiGo flights with travel benefits
Annual Fee
₹1,499
Joining Fee
₹1,499
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹8,231
Total Annual Benefits
₹10,000
Total Annual Charges
₹1,769
ROI
466%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
3 BluChips per ₹100 on IndiGo Flights
Earn 3 BluChips per ₹100 on IndiGo flight bookings
- • Valid on IndiGo website and app bookings
3 BluChips per ₹100
2 BluChips per ₹100 on Hotel Spends
Earn 2 BluChips per ₹100 on hotel bookings
- • Valid on hotel bookings
2 BluChips per ₹100
Reward Points (1)
1 BluChip per ₹100 on All Other Spends
Earn 1 BluChip per ₹100 on all other retail spends
1 BluChip per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
- • 1 complimentary visit per quarter at domestic airports
4 visits/year
₹10,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
IndiGo BluChips
1 BluChip per ₹100 (3X on IndiGo, 2X on hotels)
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → IndiGo flight bookings (1 BluChip = ₹0.50)
- → Seat upgrades
- → Ancillary services
Bonus Categories
IndiGo Flights
3x multiplier
3 BluChips per ₹100 on IndiGo flights
Hotels
2x multiplier
2 BluChips per ₹100 on hotel spends
Milestone Bonuses
2,000 bonus BluChips on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
2,000 BluChips
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,499 Excluding 18% GST |
| Annual Fee | ₹1,499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹30,000
- • Self-Employed: Minimum ITR of ₹3.6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
Air Accident Cover
₹10.0 L
- • Air accident cover: ₹10 Lakh
- • Lost card liability: ₹2 Lakh
- • Baggage delay: ₹15,000
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,500/visit
International
0 visits/year
N/A
Dreamfolks
- • Domestic: 1 complimentary visit per quarter
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility IndiGo flight rewards Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The IndiGo SBI Credit Card is a co-branded airline card offering 3 BluChips per ₹100 on IndiGo flight bookings, 2 BluChips on hotel spends, and 1 BluC...
More from SBI Card
SBI Card
Visa
Apollo SBI SELECT Credit Card
SBI Card
₹1,499/yr₹10,000/yr value
10 Reward Points per...2 Reward Points per ...1 Reward Point per ₹...
SBI Card
Mastercard
SBI AURUM Credit Card
SBI Card
₹9,999/yr₹2,00,000/yr value
4 Reward Points per ...Unlimited Domestic L...Unlimited Internatio...
SBI Card
Visa
BPCL SBI Credit Card
SBI Card
₹499/yr₹5,000/yr value
13X Reward Points on...5X Reward Points on ...Reward Points on All...
SBI Card
Visa
BPCL SBI Octane Credit Card
SBI Card
₹1,499/yr₹10,000/yr value
25 Reward Points per...10 Reward Points per...Reward Points on All...