Compare SBI Indigo Credit Cards (Normal & Elite) launched with Indigo Airlines. Know welcome benefits, Indigo Blue Chips rewards, lounge access, fees, and best card to choose in 2025.
SBI Indigo Credit Cards Review 2025 – Normal vs Elite
State Bank of India (SBI) has recently launched two co-branded credit cards in partnership with IndiGo Airlines. These cards are designed to provide travel benefits, especially for frequent flyers of IndiGo. The cards are available on both Mastercard and RuPay networks, giving users flexibility in usage and UPI payments.
The two variants are:
- SBI IndiGo Credit Card (Normal)
- SBI IndiGo Elite Credit Card
Both cards are focused on travel benefits, lounge access, and IndiGo’s loyalty program 6E Rewards (Blue Chips). Let’s compare their features in detail.
Welcome Benefits
- SBI IndiGo Credit Card (Normal):
- 2,500 IndiGo Blue Chips on joining.
- Blue Chips credited after paying the joining fee and completing the first transaction within 60 days.
- Redeemable only on IndiGo app/website.
- SBI IndiGo Elite Credit Card:
- 5,000 IndiGo Blue Chips + ₹1,666 6E e-voucher.
- Earned after payment of joining fee and first transaction within 60 days.
- Extra benefit: Spend ₹1 lakh within 90 days to get 4 complimentary IndiGo 6E Prime passes.
Rewards Program – IndiGo Blue Chips
- Normal Card:
- 3 Blue Chips per ₹100 on IndiGo flight bookings.
- 2 Blue Chips per ₹100 on selected travel & hotel spends.
- 1 Blue Chip per ₹100 on other spends including UPI.
- Value of 1 Blue Chip = ₹1. Validity: 2 years.
- Elite Card:
- 7 Blue Chips per ₹100 on IndiGo bookings (up to 23 with membership tier upgrades).
- 3 Blue Chips per ₹100 on hotels & travel categories.
- 2 Blue Chips per ₹100 on all other spends.
- Value of 1 Blue Chip = ₹1. Validity: 2 years.
Lounge Access
- Normal Card:
- 4 complimentary domestic airport lounge visits per year (1 per quarter).
- Spend condition: Minimum ₹50,000 spend in the previous quarter.
- Elite Card:
- 8 complimentary domestic lounge visits per year (2 per quarter).
- 6 complimentary international lounge visits per year via Priority Pass.
- Spend condition: ₹1 lakh spend in the previous quarter.
Fuel Surcharge Waiver
- Normal Card: 1% waiver on fuel spends of ₹500 – ₹4,000 (max ₹200 per cycle).
- Elite Card: 1% waiver on fuel spends of ₹500 – ₹4,000 (max ₹400 per cycle).
Milestone Benefits
- Normal Card:
- ₹2 lakh annual spend = 2,500 Blue Chips.
- ₹4 lakh spend = additional 2,500 Blue Chips.
- ₹6 lakh spend = additional 2,500 Blue Chips.
- Elite Card:
- ₹3 lakh annual spend = 6,000 Blue Chips.
- ₹6 lakh spend = additional 6,000 Blue Chips.
- ₹9 lakh and ₹12 lakh spend = 6,000 Blue Chips each.
Insurance Benefits
- Normal Card: No insurance benefits.
- Elite Card:
- Free flight cancellation cover up to ₹3,000 per year.
- Lost card liability cover: ₹1 lakh.
- Lost baggage insurance: Up to ₹75,000.
Fees & Charges
- SBI IndiGo Credit Card (Normal):
- Joining Fee: ₹1,499 + GST (₹1,768 approx).
- Renewal Fee: ₹1,499 + GST (no waiver).
- Renewal benefit: 2,500 Blue Chips.
- SBI IndiGo Elite Credit Card:
- Joining Fee: ₹4,999 + GST (₹5,898 approx).
- Renewal Fee: ₹4,999 + GST.
- Renewal benefit: 5,000 Blue Chips + ₹1,666 6E voucher.
Both cards come with:
- Interest-free period up to 50 days.
- EMI conversion for transactions above ₹2,500.
- Balance transfer facility from other bank credit cards.
- Interest rate: 3.75% per month (45% annually).
Eligibility
- Age: 21–70 years.
- Both salaried and self-employed individuals eligible.
- Good credit score (750+) preferred.
- Income proof required, unless upgrading from an existing SBI Card.
How to Apply
You can apply for these SBI Indigo credit cards through:
- SBI Card website
- IndiGo app/website
- SBI branches (offline)
Video KYC is available for online applications, and the card is delivered within 7–10 working days.
Final Verdict – Which Card is Better?
- If you are a frequent IndiGo flyer, the SBI Indigo Elite Credit Card is the better choice due to higher Blue Chips rewards, lounge access (domestic + international), milestone benefits, and insurance coverage.
- If you fly occasionally and want lower annual fees, the Normal SBI Indigo Credit Card is sufficient, as it still provides flight rewards and basic lounge access.
For IndiGo loyalists, the Elite variant clearly offers maximum value despite the higher annual fee.
Recommendation: Choose the SBI Indigo Elite Credit Card if you travel frequently with IndiGo. Otherwise, go for the Normal variant to enjoy travel perks at a lower cost.