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IndiGo SBI Card Review 2026: Fees, Rewards, & Lounge Access

Check IndiGo SBI Card benefits, 3% rewards on IndiGo bookings, 2,500 BluChips welcome bonus, and domestic lounge access details. Is it worth the ₹1,499 fee?

Vyaya Team · Mar 2026
5 min read
Value Score
7.0 / 10
Annual Fee
₹1,499
Best For
IndiGo Loyalists
Network
Mastercard
Expert Verdict

The IndiGo SBI Card is a solid entry-level travel card for frequent IndiGo flyers. While the rewards are restrictive, the welcome and renewal bonuses provide good value for the fee.

IndiGo SBI Card credit card by SBI Card - Mastercard network
REWARD SUMMARY
1% Base Rewards
Take off with rewards on every spend.
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The Bottom Line

The IndiGo SBI Card is a solid entry-level travel card for frequent IndiGo flyers. While the rewards are restrictive, the welcome and renewal bonuses provide good value for the fee. With a ₹1,499 annual fee, it offers 0% rewards on indigo app/web and fuel surcharge waiver. For anyone researching indigo sbi card, the verdict is simple: conditional.

It earns a base reward rate of 1% and stacks best when your spending lines up with IndiGo Loyalists.

What we like
+Earn 3% rewards (3 BluChips per ₹100) on IndiGo bookings via official channels.
+Welcome and renewal benefit of 2,500 BluChips effectively offsets the annual fee.
+Milestone rewards of 2,500 BluChips at ₹2L, ₹4L, and ₹6L annual spend thresholds.
+Complimentary domestic lounge access (1 per quarter) on meeting spend criteria.
What we don't
Lounge access is contingent on spending ₹50,000 in the previous quarter.
High interest rate of 3.75% per month (45% per annum).
Rewards are highly restrictive, redeemable only within the IndiGo ecosystem.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
IndiGo Loyalists

Best for those who frequently fly IndiGo and can utilize BluChips for flight bookings and add-ons.

Best value above ₹20,000/month

Probably not for

Skip
General Spenders

The reward system is locked to a single airline, making it less flexible than cashback or general reward cards.

Is It Worth It For You?

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Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Annual fee-₹1,499
Net Value (Year 1)-1,499
Net Value (Year 2+)-1,499

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Reward Rates

IndiGo SBI Card offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

IndiGo App/Web
0%
Hotel, Lodging & Travel
0%

Milestone Benefits

Spend ₹200,000

Bonus Points

Spend ₹400,000

Bonus Points

Spend ₹600,000

Bonus Points

Fees & Charges

Joining fee₹1,499
Annual fee₹1,499
Fee waiverN/A

Eligibility

  • Min Income: ₹3 Lakhs
  • Min Credit Score: 700
  • Age 21-70 years; Salaried or Self-employed with steady income.

Exclusions & Terms

Fuel

  • Eligible for surcharge waiver instead

Wallet Load

  • Standard SBI Card exclusion

Cash Advance

  • Standard SBI Card exclusion

Compare with Alternatives

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View Details
Annual Fee
₹1,499
₹1,500
Joining Fee
₹1,499
₹1,500
Reward Rate
1%
0.8%
Network
Mastercard
Visa
Best For
IndiGo Loyalists
frequent-domestic-traveler

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee for the IndiGo SBI Card?+

The annual fee is ₹1,499 plus GST. This is also the renewal fee from the second year onwards.

How do I get the welcome bonus?+

You receive 2,500 IndiGo BluChips after paying the joining fee and making your first transaction within 60 days of card issuance.

Is there a spend-based waiver for the annual fee?+

No, there is no official spend-based waiver for the annual fee, but the renewal benefit of 2,500 BluChips helps offset the cost.

Ready to apply?

₹1,499 fee. Excellent rewards. Apply now securely.

Apply on SBI Card

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