SBI Card
Premium · IndiGo ELITE
IndiGo SBI ELITE Credit Card
SBI Card
Earn 7 BluChips per ₹100 on IndiGo flights with premium travel benefits
Annual Fee
₹4,999
Joining Fee
₹4,999
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹19,101
Total Annual Benefits
₹25,000
Total Annual Charges
₹5,899
ROI
324%
Fee Waiver Available
Annual fee waived on spending ₹8 Lakh in the preceding year — ₹8,00,000 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 (3)
7 BluChips per ₹100 on IndiGo Flights
Earn 7 BluChips per ₹100 on IndiGo flight bookings
- • Valid on IndiGo website and app bookings
7 BluChips per ₹100
3 BluChips per ₹100 on Hotel Spends
Earn 3 BluChips per ₹100 on hotel bookings
- • Valid on hotel bookings
3 BluChips per ₹100
Priority Check-in on IndiGo
Complimentary priority check-in on IndiGo flights
- • Valid on IndiGo flights booked with the card
Priority check-in
Reward Points (1)
2 BluChips per ₹100 on All Other Spends
Earn 2 BluChips per ₹100 on all other retail spends
2 BluChips per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
- • 2 complimentary visits per quarter at domestic airports
8 visits/year
₹20,000/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
2 BluChips per ₹100 (7X on IndiGo, 3X on hotels)
Effective cashback: 1.00%
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
3.5x multiplier
7 BluChips per ₹100 on IndiGo flights
Hotels
1.5x multiplier
3 BluChips per ₹100 on hotel spends
Milestone Bonuses
5,000 bonus BluChips on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
5,000 BluChips
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹4,999 Excluding 18% GST |
| Annual Fee | ₹4,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- 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
- ₹60,000
- Min. Annual Income
- ₹7,20,000
- Min. Credit Score
- 750
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹60,000
- • Self-Employed: Minimum ITR of ₹7.2 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹25.0 L
- • Air accident cover: ₹25 Lakh
- • Lost card liability: ₹5 Lakh
- • Baggage delay: ₹25,000
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
0 visits/year
N/A
Dreamfolks
- • Domestic: 2 complimentary visits per quarter
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility IndiGo priority check-in Domestic lounge access IndiGo flight rewards
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 ELITE Credit Card is a premium co-branded airline card offering 7 BluChips per ₹100 on IndiGo flight bookings, 3 BluChips on hotel spen...
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