State Bank of India
IndiGo SBI Card ELITE
Data last verified: 11 October 2026
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Reward rate0.84% base, up to 1.26% on travel; 2.94% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Forex markup3.5%
01IndiGo SBI Card ELITE Rewards and Benefits
02IndiGo SBI Card ELITE Annual Fee and Charges
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on travel: flights, hotels, trains, earning 1.26%₹63
- ₹15,000 on everything else, earning 0.84%₹126
- Back each month, ₹2,268 a year₹189
- Annual fee with 18% GST−₹5,899
- It costs you each year₹3,631
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
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
04How IndiGo SBI Card ELITE earns Rewards
0.84% base, up to 1.26% on travel; 2.94% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.84% | No cap | The card's normal rate |
| Dining and food delivery | 0.84% | No cap | The card's normal rate |
| Groceries | 0.84% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.26% | No cap | Anywhere else in the categoryTerms: 3 IndiGo BluChips per ₹100 on hotel/lodging and travel MCCs |
| Travel: flights, hotels, trains, only at listed merchants | 2.94% | No cap | Only 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 |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 0.84% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.84% | No cap | The card's normal rate |
| Everything else | 0.84% | No cap | The card's normal rate |
Terms on the base rate. 2 IndiGo BluChips per ₹100 on all other eligible spends; excludes utility, government, rent, fuel, gaming, cross-sell and insurance MCCs
Point value. 1 point is worth about ₹0.42 at the bank's stated value.
05IndiGo SBI Card ELITE Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Spend Rs 100,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.84% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps in India; maximum waiver ₹400 per statement cycle.
- Insurance cover: 4 free flight cancellations a year (up to ₹3,000 each), lost card liability cover up to ₹1 lakh, and lost baggage cover up to ₹72,000.
- Airport lounge access: 8 domestic lounge visits a year (max 2 a quarter, needs ₹1 lakh spend the previous calendar quarter) + 6 international Priority Pass visits a year, SBI sets NO per-quarter limit on the international ones. Priority Pass is primary-cardholder only; the ELITE card is not accepted at the lounge
- Milestone bonuses: 4 6E IndiGo Prime Passes on ₹1 lakh of spend within 3 months of card issuance
- Milestone bonuses: 5,000 IndiGo BluChips plus a 6E Eats voucher every year the RENEWAL fee is realised, a recurring benefit, not a one-off welcome
- Milestone bonuses: 6,000 IndiGo BluChips at ₹300,000 of annual spend
- Milestone bonuses: A further 6,000 IndiGo BluChips at ₹1,200,000 of annual spend
- Milestone bonuses: A further 6,000 IndiGo BluChips at ₹600,000 of annual spend
- Milestone bonuses: A further 6,000 IndiGo BluChips at ₹900,000 of annual spend
06IndiGo SBI Card ELITE Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2025 | Reduced: System-wide 1% fee on third-party education payments and large wallet loadsSource: State Bank of India | - | - |
| 25 Sept 2025 | Changed: IndiGo SBI Card ELITE launchesSource: State Bank of India | - | - |
See this card's change history → · All card changes in November 2025 →
08Cards Similar to IndiGo SBI Card ELITE
IndiGo SBI Card ELITE is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndiGo SBI Card ELITE |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹4,999 + GST | Lifetime free | Lifetime free |
| Rewards | 0.84% base, up to 1.26% on travel; 2.94% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the IndiGo SBI Card ELITE?
The joining fee is ₹4,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndiGo SBI Card ELITE?
The annual fee is ₹4,999 + GST.
Does the IndiGo SBI Card ELITE give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 6 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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