IndiGo SBI Card
SBI Card
Annual / renewal fee
₹1,499 + applicable taxes.
Verifiedharvested from product page5 Aug 2026, 7:50 PM ISTSBI Card
Earn rate
- 3 IndiGo BluChips per ₹100 spent on IndiGo Airlines Web/App.
- 2 IndiGo BluChips per ₹100 spent on Hotel/Lodging & Travel MCCs.
- 1 IndiGo BluChip per ₹100 spent on all other spends.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
IndiGo SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹1,499 + applicable taxes.
Verifiedharvested from product page5 Aug 2026, 7:50 PM ISTSBI Card
Fee waiver
No spend-based renewal fee waiver is offered on the IndiGo SBI Card (renewal fee of ₹1,499 has no waiver condition stated).
VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)5 Aug 2026, 7:50 PM ISTSBI Card
Renewal fee
₹1,499 (no spend-based waiver stated for this card).
Verifiedharvested from product page5 Aug 2026, 7:50 PM ISTSBI Card
Rewards
- 3 IndiGo BluChips per ₹100 spent on IndiGo Airlines Web/App.
- 2 IndiGo BluChips per ₹100 spent on Hotel/Lodging & Travel MCCs.
- 1 IndiGo BluChip per ₹100 spent on all other spends.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM IST
Redemption value
- 1 IndiGo BluChip = 1 Reward Point = INR 1 (when adjusted as statement debit).
- IndiGo BluChips can be redeemed only on airfare of flights marketed and operated by IndiGo.
- IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years.
- Rewards Redemption Fee: ₹99 (applicable on physical products, statement credit and physically-sent vouchers).
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Reward cap
- Contactless payment allowed for a maximum of ₹5,000 for a single transaction without PIN.
- Maximum liability on any given date limited to available credit limit on card.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Reward exclusion
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Travel & lounge
Lounge access
- 4 complimentary Domestic Airport Lounge visits per year (1 per quarter), based on minimum eligible spend of ₹50,000 in the previous calendar quarter.
- Spend criteria waived for month/quarter of card issuance.
- Only for primary cardholders.
- No complimentary international lounge access on the base card.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
2,500 IndiGo BluChips on payment of joining fee and first transaction within 60 days of account opening (credited within 30 days of realization of joining fee and 1st transaction).
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Insurance
Complimentary fraud liability cover: up to ₹1,00,000 of financial loss due to fraudulent usage, covering misuse up to 3 days prior to first report and up to 7 days post reporting (insured by The Oriental Insurance Company Limited).
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Milestone benefit
- 2,500 IndiGo BluChips each on annual spends of ₹2 Lakh, ₹4 Lakh and ₹6 Lakh (up to 7,500 BluChips).
- Plus 2,500 IndiGo BluChips on realization of Renewal Fee.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Eligibility
Eligibility
- Active IndiGo BluChip membership account is a pre-requisite for issuance of the IndiGo SBI Credit Card and for transfer of accumulated IndiGo BluChips.
- Add-on cards can be issued for spouse, parents, siblings and children over 18 years of age.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Charges & interest
Forex markup
- 3.5% Foreign Currency Transaction Fee (IndiGo SBI Card base variant).
- Dynamic Currency Conversion Fee 3.5% on transactions >= ₹1,000 in Indian currency at international/overseas-registered merchants.
Verifiedharvested from product page5 Aug 2026, 7:50 PM ISTSBI Card
Charge
- Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum Finance Charge ₹25.
- Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
- Max cash withdrawal ₹15,000/day.
- Cash Payment fee ₹250.
- Payment Dishonor fee 2% of payment amount (min ₹500).
- Cheque Payment Fee ₹200.
- Late Payment: Nil up to ₹100.
- ₹100 (₹100-500).
- ₹500 (₹500-1,000).
- ₹750 (₹1,000-10,000).
- ₹950 (₹10,000-25,000).
- ₹1,100 (₹25,000-50,000).
- ₹1,300 (>₹50,000).
- Additional Late Payment Charge ₹100 on missing MAD for two consecutive cycles.
- Overlimit Fee 2.5% of overlimit amount (min ₹600).
- Card Replacement ₹100-₹250.
- Foreign Currency Transaction Fee 3.5%.
- Dynamic Currency Conversion Fee 3.5% (>=₹1,000).
- Rewards Redemption Fee ₹99.
- Processing Fee on Rent Payment transactions ₹199 (MCC 6513).
- Utility Payments Fee 1% if total >₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).
- Fee on Education Payments via third-party apps 1% (w.e.f. 1st Nov 2025).
- Fee on Wallet Load 1% on every wallet load exceeding ₹1,000 (w.e.f. 1st Nov 2025).
- Lounge usage fee up to USD 27 per visit for International Lounge Access Programs.
VerifiedSBI Card – Most Important Terms & Conditions (MITC, common to all cards)5 Aug 2026, 7:50 PM ISTSBI Card
Interest-free period
Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
Verifiedharvested from product page5 Aug 2026, 7:50 PM ISTSBI Card
Transfers
Transfer partner
Airlines (1)
- 1:1
IndiGo
IndiGo BluChip
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Transfer rule
- IndiGo BluChips accumulated on the IndiGo SBI Credit Card are transferred to your IndiGo BluChip account maintained at IndiGo Airlines on every statement cycle.
- All transfers are final and cannot be reversed or refunded.
- Flip in/flip out to other SBI cards is not permitted.
VerifiedIndiGo SBI Card – Terms & Conditions / E-Kit Booklet5 Aug 2026, 7:50 PM ISTSBI Card
Common questions
What is the annual fee on the IndiGo SBI Card?
Officially traced: Rs. 1,499 + applicable taxes.
harvested from product pageIs the IndiGo SBI Card annual fee ever waived?
No spend-based renewal fee waiver is offered on the IndiGo SBI Card (renewal fee of Rs. 1,499 has no waiver condition stated).
SBI Card – Most Important Terms & Conditions (MITC, common to all cards)How does the IndiGo SBI Card earn rewards?
3 IndiGo BluChips per Rs. 100 spent on IndiGo Airlines Web/App.
IndiGo SBI Card – Terms & Conditions / E-Kit BookletWhat lounge access does the IndiGo SBI Card include?
4 complimentary Domestic Airport Lounge visits per year (1 per quarter), based on minimum eligible spend of Rs. 50,000 in the previous calendar quarter; spend criteria waived for month/quarter of card issuance.
IndiGo SBI Card – Terms & Conditions / E-Kit BookletWhat welcome benefit does the IndiGo SBI Card offer?
2,500 IndiGo BluChips on payment of joining fee and first transaction within 60 days of account opening (credited within 30 days of realization of joining fee and 1st transaction).
IndiGo SBI Card – Terms & Conditions / E-Kit BookletWhat are the transfer ratios for IndiGo SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-05 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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