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IndiGo SBI Credit Card

IndiGo SBI credit card is a co-branded credit card that offers reward points on flight bookings on IndiGo channels. These cards also offer multiple other benefits such as airport lounge access, milestone benefits, and many more. 

Updated On - 22 Oct 2025
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What is IndiGo SBI Credit Card?

IndiGo SBI credit card is issued by a SBI (State Bank of India) in partnership with IndiGo that comes at an annual fee of Rs.1,499. The card offers IndiGo BluChips on all eligible spends on the card to the IndiGo BluChip Members. These points can be redeemed against IndiGo flight bookings made through IndiGo’s website or mobile app. 

Features and Benefits of IndiGo SBI Credit Card

The features and benefits of IndiGo SBI credit card are mentioned below: 

Welcome benefit 

After making an annual fee payment and making the first transaction within 60 days of account opening, the card offers 2,500 IndiGo BluChips. 

Renewal benefits 

After making an annual fee payment, the card offers 2,500 IndiGo BluChips. 

Reward points 

  1. On spending Rs.100 on IndiGo App and Web: 3 IndiGoBluChips
  2. On sending Rs.100 on Hotel/Lodging and Travel MCCs: 2 IndiGoBluChips
  3. On sending Rs.100 on all other categories: 1 IndiGo BluChips
  4. IndiGo flights booked through IndiGo channels: 12 IndiGo BluChips
  5. Blu 1 Tier bonus: 4 IndiGo BluChips 

Domestic lounge benefits 

  1. Offers four domestic airport lounge access per year (1 per quarter).
  2. The offer is applicable on spending Rs.50,000 in the last quarter. 

Fuel Surcharge waiver 

  1. Offers 1% fuel surcharge waiver from transactions between Rs.500 to Rs.4000.
  2. The maximum surcharge offered is Rs.200 per statement cycle. 

Milestone 

On spending Rs.2 lakh, Rs.4 lakh, and Rs.6 lakh each, the card offers 2,500 IndiGo BluChips. 

Contactless advantage 

Tap the card on the reader to make a contactless payment. 

Global acceptance 

Accepted across the globe in over 24 million outlets including 3,25 lakh outlets in India. 

Add-on cards 

Add-on cards are offered to family members, such as spouses, parents, children, and siblings above 18 years of age. 

Flexipay 

Convert transactions of R7s.2,500 or more within 30 days of transactions into EMI using Flexipay facility. 

Balance transfer 

Outstanding balance from other credit cards can be transferred to this card. 

Utility bill payment 

Ensures easy bill payment for utility bills, such as electricity, mobile, telephone, and other services. 

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Eligibility Criteria to Apply for IndiGo SBI Credit Card

The basic eligibility criteria to apply for any SBI credit card including IndiGo SBI credit card are:  

  1. The minimum and maximum age limit to apply for this credit card is 21 years and 70 years, respectively.  
  1. The applicant should be either salaried, or self-employed.  
  1. Must have a regular income source, good credit score, etc.  

Documents Required to Apply for IndiGo SBI Credit Card 

The following are the documents required to apply for IndiGo SBI Card: 

  1. Any valid government address proof or copy of Aadhaar Card (with first 8 digits masked) 
  1. PAN card 
  1. Other documents, such as income tax return, salary slip, etc., as per card eligibility.  

KYC documents, such as:   

  1. Copy of masked Aadhaar or Virtual ID card  
  1. Voter ID Card (both sides)  
  1. Passport (both sides) 
  1. Driving License (both sides)  
  1. NREGA Card 
  1. Letter issued by the National Population Register with details of name and address
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How to Apply for IndiGo SBI Credit Card Online?

To apply for IndiGo SBI credit card online, follow the below-mentioned steps: 

  1. Visit official credit card page. 
  1. Click on ‘Apply’. 
  1. Click on ‘Apply Now’, under ‘IndiGo SBI Card’. 
  1. On the next page, click on ‘Start apply journey’. 
  1. Enter personal details such as your name and mobile number.  
  1. Agree to the terms and conditions and click on ‘Continue’. 
  1. Enter the professional details. 
  1. Provide the KYC details. 
  1. Fill in the online application form and click on 'Submit'. 
  1. In the following step, upload and submit the required documents to complete the process.
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Fees and Charges for IndiGo SBI Credit Card

The fees and charges applicable for the IndiGo SBI credit card are listed below

Type of Fee 

Amount 

Annual Fee 

Rs.1,499 plus GST 

Renewal Fee 

Rs.1,499 plus GST 

Add-On card fee 

Nil 

Cash advance fee 

2.5% of the amount withdrawn or Rs.500 (Domestic or international ATMs) 

Finance Charges 

3.75% per month or 45% per annum 

Payment dishonor fee 

2% of the payment amount; minimum of Rs.500 

Statement request 

Rs.100 per statement (more than 2 months old) 

Cash payment fee 

Rs.250 plus applicable taxes 

Cheque payment fee 

Rs.200 

Over limit fee 

2.5% of the over limit amount; minimum of Rs.600 

Rewards redemption fee 

Rs.99 

Foreign currency transaction 

3.50% 

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Late Payment Charges for IndiGo SBI Credit Card

  1. From Rs.0 to Rs.500 - Nil.
  2. More than Rs.500 up to Rs.1,000 - Rs.400.
  3. More than Rs.1,000 up to Rs.10,000 - Rs.750.
  4. More than Rs.10,000 up to Rs.25,000 - Rs.950.
  5. More than Rs.25,000 up to Rs.50,000 - Rs.1,100.
  6. More than Rs.50,000 - Rs.1,300.

FAQs on IndiGo SBI Credit Card

  • Does IndiGo SBI Card offer lounge access?

    Yes, IndiGo SBI credit card offers four domestic airport lounge access per year, which is one per quarter, and the benefit is applicable on spending Rs.50,000 in the last quarter. 

  • What is the annual fee for the IndiGo SBI credit card?

    The card charges an annual fee of Rs.1,499 plus applicable taxes. On renewal, you can earn 2,500 bonus BluChips, which helps offset the annual fee and offers additional travel savings. 

  • What are the spendings not applicable for the IndiGo SBI credit card reward points?

    Payments made on utility, government transactions, fuel, gaming, rental, Crossell and insurance MCC are not applicable for the IndiGo SBI credit card reward points. 

  • Is IndiGo BluChips membership mandatory?

    Yes, IndiGo BluChips membership is mandatory to obtain an IndiGo SBI credit card and IndiGo BluChips. 

  • When will I receive IndiGo BluChips earned as Welcome Benefits?

    The IndiGo BluChips earned will be credited to your account on making the fee payment and completing the first transaction within 60 days of opening the account. 

  • What happens to my IndiGo BluChips if I switch from the IndiGo SBI Card to another SBI Credit Card?

    As per SBI Card policy, switching from the IndiGo SBI Card to another SBI Credit Card is not permitted, and you need to apply for a different SBI credit card separately. If you want to discontinue your IndiGo SBI Card, make sure to transfer all your earned points to your IndiGo BluChip account as points will be forfeited if not transferred. 

  • Do IndiGo BluChips expire?

    No, the IndiGo BluChips do not expire even if it is earned or spent once in two years. 

  • Where can I redeem my IndiGo BluChips?

    Redemption of IndiGo BluChips is allowed only on the flights that are marketed and operated by IndiGo, and the IndiGo BluChips Voucher is non-refundable. 

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