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SBI Card IndiGo Elite
SBI • Visa

SBI Card IndiGo Elite

Premium co-branded IndiGo card with accelerated BluChips earnings and high lounge allocation for frequent flyers.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹14999High-fee premium airline card; verify any waiver or retention policy with SBI Card
Base Reward1.0%On all spends
Lounge Access1611 domestic • 5 intl
Est. Annual Savings₹-13,421Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹14,999

High-fee premium airline card; verify any waiver or retention policy with SBI Card

Net value₹11,399

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
Basedefault
1.0%
Online
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • SBI Card IndiGo Elite is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 3.0% on travel-aligned lanes, while broad base return remains closer to 1.0%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 14,999 and reduce allocation if annual net value weakens.

Watchouts

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹14,999
  • Annual fee₹14,999
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetquarterly
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count11
  • International count5
  • Quarterly limit2
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+26 more lounge visits in current datasetEstimated +₹15,947/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+14 more lounge visits in current datasetHigher top earn rate (4.0%)
View Details
Step 3

Club Vistara SBI Card PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+14 more lounge visits in current datasetEstimated +₹12,308/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for SBI Card IndiGo Elite using your current quarter spend.

₹0 spent₹1,00,000 target

Policy signal used: - Source file: SBI Card ELITE domestic lounge program PDF. - Complimentary access carries nominal INR 2 authorization at lounge terminal. - Source note references quarterly complimentary visit limits for ELITE card. Policy override notes: • SBI Card IndiGo Elite lists both domestic and international lounge access with explicit visit caps. • Domestic lounge benefit includes quarter-level spend gate in current product terms. • Current SBI Card terms indicate previous-quarter spend around INR 1,00,000 to unlock complimentary domestic lounge usage for next quarter. • Domestic lounge is structured as up to 2 visits per quarter (up to 8 annually), and international lounge as up to 2 visits per quarter (up to 6 annually). • Complimentary guest lounge policy is not explicitly listed in the public summary; verify card guide before travel. • International lounge is available with capped visits; confirm access channel (Priority Pass/network) in latest SBI guide. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Current SBI Card terms indicate previous-quarter spend around INR 1,00,000 to unlock complimentary domestic lounge usage for next quarter.

Quarter / cycle rule

Domestic lounge is structured as up to 2 visits per quarter (up to 8 annually), and international lounge as up to 2 visits per quarter (up to 6 annually).

Guest access

Complimentary guest lounge policy is not explicitly listed in the public summary; verify card guide before travel.

Priority Pass

International lounge is available with capped visits; confirm access channel (Priority Pass/network) in latest SBI guide.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
TFS DomesticDomestic

AHM • Ahmedabad Airport • Terminal T1

TFS InternationalInternational

AHM • Ahmedabad Airport • Terminal T2

Bengaluru

1 lounges • 1 domestic • 0 international

1
TFS DomesticDomestic

BEN • Bengaluru Airport • Terminal T1

Chennai

3 lounges • 2 domestic • 1 international

3
TFS DomesticDomestic

CHE • Chennai Airport • Terminal T1

TFS DomesticDomestic

CHE • Chennai Airport • Terminal T4

TFS InternationalInternational

CHE • Chennai Airport • Terminal T2

Goa

1 lounges • 1 domestic • 0 international

1
TFS DomesticDomestic

GOA • Goa Airport • Terminal T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm Hospitality DomesticDomestic

HYD • Hyderabad Airport • Terminal T1

Kolkata

2 lounges • 1 domestic • 1 international

2
TFS DomesticDomestic

KOL • Kolkata Airport • Terminal T1

TFS InternationalInternational

KOL • Kolkata Airport • Terminal T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Oberoi Airport Services InternationalInternational

MUM • Mumbai Airport • Terminal T2

TFS DomesticDomestic

MUM • Mumbai Airport • Terminal T1C

TFS DomesticDomestic

MUM • Mumbai Airport • Terminal T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm Hospitality DomesticDomestic

NEW • New Delhi Airport • Terminal T1

Encalm Hospitality DomesticDomestic

NEW • New Delhi Airport • Terminal T3

Encalm Hospitality InternationalInternational

NEW • New Delhi Airport • Terminal T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Accelerated IndiGo BluChips earning on eligible spends
  • Domestic and international airport lounge access program
  • Premium travel-focused welcome and milestone proposition
  • Strong fit for heavy IndiGo loyalists

Things to Consider

  • Very high annual fee
  • Domestic lounge usage can be gated by previous quarter spend
  • Best value depends on frequent IndiGo usage and BluChips redemption

About SBI Card IndiGo Elite

SBI Card IndiGo Elite is a miles card from SBI, best for frequent indigo flyers who can justify a high annual fee. It is tagged under travel, premium, rewards, international categories in our database.

TravelPremiumRewardsInternational

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Frequently asked questions

Is SBI Card IndiGo Elite lifetime free?

It has an annual fee of ₹14999. High-fee premium airline card; verify any waiver or retention policy with SBI Card

What rewards does SBI Card IndiGo Elite offer?

Premium co-branded IndiGo card with accelerated BluChips earnings and high lounge allocation for frequent flyers.

Does SBI Card IndiGo Elite include lounge access?

SBI Card IndiGo Elite lists 16 lounge visits (11 domestic, 5 international).

Who should consider SBI Card IndiGo Elite?

Frequent IndiGo flyers who can justify a high annual fee

Where can I apply for SBI Card IndiGo Elite?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.