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Is the IndiGo SBI Card ELITE Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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IndiGo SBI Card ELITE
IndiGo SBI Card ELITEView card →
  • Travel card
  • ₹5,899 fee a year (with GST)
  • 0.84% base, up to 1.26% on travel; 2.94% only at partner merchants
  • 14 lounge visits a year
  • Pays in air miles
Good for
  • travel only at IndiGo bookings: 2.94% back
  • travel: 1.26% back
  • flyers: 14 airport lounge visits a year
Skip it if
  • you spend less than ₹59,000 a month: below that the ₹5,899 fee costs more than the rewards
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on IndiGo bookings: the 2.94% rate applies only there, everything else earns 0.84%
  • you often pay in foreign currency: 3.5% is added to every foreign spend

Your spend a month, by kind

Terms on the normal rate: 2 IndiGo BluChips per Rs.100 on all other eligible spends; excludes utility, government, rent, fuel, gaming, cross-sell and insurance MCCs

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelUtility billsRentInsuranceGovernmentOnline gamingWallet loadsCash withdrawals

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping0.84%No capThe card's normal rate-
Dining and food delivery0.84%No capThe card's normal rate-
Groceries0.84%No capThe card's normal rate-
Travel: flights, hotels, trains1.26%No capAnywhere else in the categoryTerms: 3 IndiGo BluChips per ₹100 on hotel/lodging and travel MCCs-
Travel: flights, hotels, trains, only at listed merchants2.94%No capOnly at: IndiGo bookingsTerms: 7 IndiGo BluChips per ₹100 on IndiGo App and Web bookings (~2.9%). We value a BluChip at 42 paisa, matching transfer-data/partners.yml, SBI publishes no redemption value, and BluChips cover base fare only. The familiar '1 BluChip = Re.1' belonged to 6E Rewards, the retired HDFC co-brand currency-
FuelEarns nothing-earns nothing on this card-
Bills and rechargesEarns nothing-earns nothing on this card-
RentEarns nothing-earns nothing on this card-
Insurance premiumsEarns nothing-earns nothing on this card-
School and college fees0.84%No capThe card's normal rate-
Wallet top-upsEarns nothing-earns nothing on this card-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency0.84%No capThe card's normal rate-
Everything else0.84%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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