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SBI Card

IndiGo SBI Card

SBI's IndiGo co-brand, earning BluChips redeemable only as an in-app voucher with no rupee value stated anywhere — genuinely unpriced, unlike NeuCoins on SBI's Tata co-brand, which state a direct 1:1 rate this currency does not.

Joining fee
₹1,499
Annual fee
₹1,499
Status
Open
Verified
26 August 2026
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IndiGo SBI Card

Fees

Joining fee
₹1,499
Annual fee
₹1,499
Forex markup
3.5%

Rewards

reward points

  • travel-flights: 3 points / ₹100IndiGo App and Web only
  • travel-hotels, travel-flights: 2 points / ₹100Hotel/Lodging and Travel merchant category codes generally
  • everything-else: 1 points / ₹100All other spends, excluding Utility, Government Transactions, Rental, Fuel, Gaming, Cross-Sell and Insurance merchant categories — Government Transactions, Gaming and Cross-Sell have no matching spend category in this dataset.

Milestone rewards

  • ₹0 spend: 2,500 IndiGo BluChips welcome voucher, on annual fee payment plus a first transaction within 60 days
  • ₹0 spend: 2,500 IndiGo BluChips renewal voucher, on annual fee payment
  • ₹2,00,000 spend: 2,500 IndiGo BluChips voucher

BluChips redeem only as a voucher on the IndiGo App/Website — no rupee conversion is stated anywhere.

Important Exclusions

  • utilities, rent, fuel, insurance: The base 1-point-per-₹100 rule excludes these explicitly, per merchant category code.

Travel

Domestic lounge
1/quarter
Domestic lounge
4/year
Forex markup
3.5%

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • It includes airport lounge access, useful if you travel by air a few times a year.

Source & Verification

Verified from official issuer sources. Last verified 26 August 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge
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