IndiGo SBI Card ELITE Review 2026 — Fees, Rewards & Eligibility
Issuer: State Bank of India (SBI)
Network: Visa | Tier: Mid-Range
The 6E Rewards XL - IndiGo SBI Card Elite is a premium co-branded travel card designed for frequent flyers. It offers high reward rates on IndiGo flight bookings alongside premium travel perks like complimentary airport lounge access and priority airport services
Why Choose the IndiGo SBI Card ELITE?
The IndiGo SBI Card ELITE is a Mid-Range-tier Visa credit card issued by State Bank of India (SBI), rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent domestic travelers and corporate flyers who exclusively prefer booking with IndiGo airlines and want to maximize free flights alongside premium lounge access.. With a reward rate of 7 IndiGo BluChips on Rs. 100 spent on IndiGo App and Web and an annual fee of 4999 + taxes, it ranks among the popular Travel cards in India in 2026.
New cardholders are welcomed with 6,000 IndiGo BluChips Voucher on spends of Rs. 3 lakhs, 6 lakhs, 9 lakhs & 12 lakhs each., which adds immediate value in the first year and helps recover the 4999 + taxes joining fee.
IndiGo SBI Card ELITE Fees & Charges
| Annual Fee | 4999 + taxes |
|---|---|
| Joining Fee | 4999 + taxes |
| Interest Rate | 7 to 10% |
| Foreign Markup | 2% |
| Fuel Surcharge Waiver | Fuel Surcharge Waiver Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India. Fuel Surcharge Waiver Maximum waiver of Rs. 400 per statement cycle, per credit card account |
IndiGo SBI Card ELITE Rewards & Benefits
| Reward Rate | 7 IndiGo BluChips on Rs. 100 spent on IndiGo App and Web |
|---|---|
| Welcome Bonus | 6,000 IndiGo BluChips Voucher on spends of Rs. 3 lakhs, 6 lakhs, 9 lakhs & 12 lakhs each. |
| Lounge Access | Domestic Lounge Benefits 8 complimentary Domestic Airport Lounge visits in a year (max. 2 per quarter) on spends of Rs. 1,00,000 in the last quarter Domestic Lounge Benefits Click here to know about participating domestic lounges international-lounge-benefit International Lounge Benefit 6 complimentary International Lounge visits in a year (max. 2 per quarter) fuel surcharge waiver icon. Insurance 4 free flight cancellations per year, each up to Rs. 3,000 Lost card liability cover of up to Rs. 1 lakh Insurance Lost Baggage cover of up to Rs. 75,000 |
| Best For | Frequent domestic travelers and corporate flyers who exclusively prefer booking with IndiGo airlines and want to maximize free flights alongside premium lounge access. |
Key Highlights of the IndiGo SBI Card ELITE
- 5
- 000 IndiGo BluChips Voucher & 1 6E Eats Voucher as Welcome Gift on fee payment
IndiGo SBI Card ELITE Eligibility Criteria
- Minimum income ₹10 lakh per annum
- Good CIBIL score (750+)
- Age 21-65 years
Minimum Income Required: 300000/-
Advantages of the IndiGo SBI Card ELITE
- Earns a high 5% rewards (6E Rewards) on all IndiGo flight ticket bookings
- 3% rewards on dining
- entertainment
- and grocery purchases
- Comprehensive lounge perks including 8 complimentary domestic and 2 international visits annually
- Includes a complimentary IndiGo air ticket voucher worth ₹3
- 000 as a welcome benefit
- Special travel privileges like priority check-in and choice of seat selection
Drawbacks of the IndiGo SBI Card ELITE
- Earnings are restricted to 6E Rewards
- which can only be redeemed for IndiGo flights
- No option to waive the annual renewal fee based on your yearly spend thresholds
- Rewards carry a strict validity period and expire after 24 months
- Excludes reward point earnings on wallet loads
- fuel
- and EMI transactions
IndiGo SBI Card ELITE — Frequently Asked Questions
What is the annual fee of the IndiGo SBI Card ELITE?
The IndiGo SBI Card ELITE has an annual fee of 4999 + taxes and a joining fee of 4999 + taxes. New cardholders receive 6,000 IndiGo BluChips Voucher on spends of Rs. 3 lakhs, 6 lakhs, 9 lakhs & 12 lakhs each. as a welcome benefit, which helps offset the joining cost.
Does the IndiGo SBI Card ELITE offer airport lounge access?
Yes — the IndiGo SBI Card ELITE offers Domestic Lounge Benefits 8 complimentary Domestic Airport Lounge visits in a year (max. 2 per quarter) on spends of Rs. 1,00,000 in the last quarter Domestic Lounge Benefits Click here to know about participating domestic lounges international-lounge-benefit International Lounge Benefit 6 complimentary International Lounge visits in a year (max. 2 per quarter) fuel surcharge waiver icon. Insurance 4 free flight cancellations per year, each up to Rs. 3,000 Lost card liability cover of up to Rs. 1 lakh Insurance Lost Baggage cover of up to Rs. 75,000.
Who is eligible for the IndiGo SBI Card ELITE?
The minimum income requirement is 300000/-. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IndiGo SBI Card ELITE?
The IndiGo SBI Card ELITE earns 7 IndiGo BluChips on Rs. 100 spent on IndiGo App and Web. It is best suited for Frequent domestic travelers and corporate flyers who exclusively prefer booking with IndiGo airlines and want to maximize free flights alongside premium lounge access..
Credit Cards Similar to the IndiGo SBI Card ELITE
If you are considering the IndiGo SBI Card ELITE, these travel credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- Platinum Card by American Express (Amex) — rated 4.8/5, ₹60,000 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.5/5