Share

IndiGo SBI Card ELITE vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

IndiGo SBI Card ELITE versus SBI Card MILES PRIME compared
FeatureIndiGo SBI Card ELITEIndiGo SBI Card ELITEState Bank of India2 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.84% base, up to 1.26% on travel; 2.94% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.84%0.5%
Dining and food delivery0.84%0.5%
Groceries0.84%0.5%
Travel: flights, hotels, trains1.26%; 2.94% only at IndiGo bookings1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees0.84%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.84%0.5%
Everything else0.84%0.5%
Card identity
Card typesameTravelTravel
NetworksameMastercardMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹4,999 + GST₹2,999 + GST
Annual fee₹4,999 + GST₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameAir milesAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visitssame88
International lounge visits64
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionSpend Rs 100,000 in the previous quarter for domestic lounge access8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.5%2.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents neededsamePAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IndiGo SBI Card ELITE
Rewards a year
₹2,268
Fee a year
- ₹5,899
You keep
- ₹3,631
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, SBI Card MILES PRIME comes out ₹1,592 a year ahead of IndiGo SBI Card ELITE. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

IndiGo SBI Card ELITE
  • Travel only at IndiGo bookings: 2.94% back
  • Travel: 1.26% back
  • Flyers: 14 airport lounge visits a year
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

IndiGo SBI Card ELITE
  • Skip it if you spend less than ₹59,000 a month: below that the ₹5,899 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on IndiGo bookings: the 2.94% rate applies only there, everything else earns 0.84%
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (IndiGo SBI Card ELITE, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IndiGo SBI Card ELITE or SBI Card MILES PRIME?

SBI Card MILES PRIME. SBI Card MILES PRIME: ₹2,999; IndiGo SBI Card ELITE: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; IndiGo SBI Card ELITE: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: IndiGo SBI Card ELITE 0.84%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

IndiGo SBI Card ELITE: 8 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works