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IndiGo SBI Card – Benefits, Rewards, Fees, Eligibility, and How to Apply Online

This card is designed for frequent flyers who want IndiGo-centric rewards like booking discounts and travel conveniences like complimentary airport lounge access.

Joining Fee ₹500

Offers Get a Welcome Gift of 2,500 IndiGo BluChips

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Last updated on: March 19, 2026

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What is an IndiGo SBI Card

The IndiGo SBI Card is a co-branded travel-focused credit card. It gives you accelerated IndiGo rewards called BluChips on various spends like hotel, travel, and other related expenses. You can redeem these points on bookings made via the IndiGo app or website. The card also offers milestone bonuses and a bundle of free lounge visits when you meet a certain spend requirement. It can be suitable for customers who prefer flight rewards over generic cashback.

Key Highlights of the IndiGo SBI Card

Here is an overview of the IndiGo SBI Card’s key features that you can scan quickly to decide if it is a suitable fit for your travel needs:

Details	Information
Joining Fee	₹1,499 + GST
Annual Fee	₹1,499 + GST
Suitable For	Travellers who book frequent flights with IndiGo and want higher rewards on airline spends.
Key Feature	Earn more IndiGo BluChips on IndiGo bookings, benefit from milestone BluChips and get up to 4 domestic lounge visits annually (subject to a spend of ₹50,000 in the preceding quarter)
Joining Bonus	Welcome 2,500 IndiGo BluChips after annual fee payment and first eligible transaction within 60 days

Features and Benefits of the IndiGo SBI Card

Below are the features and benefits that you can enjoy with your IndiGo SBI Card, designed to make routine spends and travel more rewarding:

Accelerated IndiGo BluChips

Earn 3 IndiGo BluChips for every ₹100 spent on the IndiGo App and website, helping you build rewards quickly when you book flights.

Travel & Hotel Rewards

Get 2 IndiGo BluChips for every ₹100 spent on hotels, travel, and other travel-related merchant categories, adding extra value to your travel expenses.

Everyday Spend Earnings

Earn 1 IndiGo BluChip for every ₹100 spent on all other eligible purchases, turning regular transactions into travel credits.

Welcome and Renewal Benefits

Get 2,500 BluChips after your first transaction and annual fee payment. From the second year, you’ll continue to receive 2,500 BluChips with your renewal fee payment.

Milestone BluChip Bonuses

Unlock bonus BluChips of 2,500 when your annual spends reach ₹2 Lakhs, ₹4 Lakhs, and ₹6 Lakhs, respectively. This lets you earn incremental rewards for higher usage.

Domestic Lounge Access

Enjoy up to four complimentary domestic airport lounge visits per year (one per quarter) when you meet the quarterly spend threshold of ₹50,000.

Fuel Surcharge Waiver

Save on everyday travel with a 1% fuel surcharge waiver on petrol transactions between ₹500 and ₹4,000, capped per statement cycle.

Contactless Payments

Use contactless payment technology for quick, secure transactions on eligible purchases, enhancing convenience and reducing card-handling time.

Flexibility with Credit Facility

Enjoy flexible payment options and the ability to carry forward your balance with some of the lowest finance charges.

Emergency Assistance

Access 24-hour MasterCard/RuPay Global Customer Assistance Services for any emergencies, including lost or stolen cards during travel.

Add-on Cards

Share the benefits of the IndiGo SBI Card with your family members by applying for add-on cards for your spouse, parents, siblings, etc.

Fees and Charges of the IndiGo SBI Card

Below is a summary of the key fees and charges associated with the IndiGo SBI Card to help you manage your account effectively:

Fee Type	Details
Joining Fee	₹1,499 + applicable taxes charged once when you apply for the card
Annual Fee	₹1,499 + applicable taxes charged every year on your billing statement
Add-on Card Fee	Nil for supplementary cards
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher, for each cash withdrawal
Finance / Interest Charges	Up to 3.75% per month (approximately 45% per annum) on unpaid balances
Foreign Transaction Fee	3.50% of the transaction amount on spends made in foreign currency
Rewards Redemption Fee	A nominal fee may apply when you redeem IndiGo BluChips (as per issuer rules)
Late Payment Charges	Variable charges may apply if you fail to pay the minimum amount due by the due date (check MITC for full slabs)

Note: All fees are exclusive of applicable GST and other taxes, which will be added at the time of billing as per governing regulations.

Disclaimer: The fees and charges mentioned above are subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility Criteria for the IndiGo SBI Card

Before applying, you should review the eligibility conditions to assess whether you qualify for the IndiGo SBI Card:

You must be a resident Indian between 21 and 70 years of age at the time of application.
You must meet the minimum income requirement, as per the issuer's policy (this can vary)
You must be either salaried or self-employed, and have a stable source of income.
A credit score of 700 or above can be preferred for a smooth application approval.

Documents Required for the IndiGo SBI Card

To complete your application smoothly, you will usually need to provide the following documents:

Identity Proof	Address Proof	Income Proof – Salaried	Income Proof – Self-employed	Photograph
• PAN card (mandatory) • Aadhaar card • Passport	• Aadhaar card • Passport • Utility bill (electricity, water, or telephone) • Ration card	• Latest 2–3 months’ salary slips • Form 16	• Latest Income Tax Returns (ITR) • Recent bank statements to show income	• Recent passport-size colour photograph

How to Apply for the IndiGo SBI Card Online

You can apply for the IndiGo SBI Card online through Bajaj Markets by following these steps:

Click on the ‘Check Card Offer’ option at the top of this page to apply for the IndiGo SBI Card.
On the next page, enter your phone number, date of birth, and occupation details.
Agree to the terms and conditions, and enter the OTP received on your registered mobile number to proceed.
Review the pre-filled information, like your PAN card number, email address, residential PIN code, and income details.
Select IndiGo SBI Card from the credit card options displayed as per your eligibility.
Finally, click on ‘Submit’ to complete your application.

Credit Card EMI Calculator

You can use the credit card EMI Calculator to get an idea of your estimated EMIs and plan repayment comfortably:

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How to Maximise Rewards with the IndiGo SBI Card

Here’s how you earn and receive IndiGo BluChips on your IndiGo SBI Card, and a simple example showing monthly accruals.

A. How to Earn IndiGo BluChips

IndiGo Bookings: Earn 3 IndiGo BluChips for every ₹100 spent on the IndiGo app and website when you book flights.
Hotels & Travel Bookings: Earn 2 BluChips for every ₹100 spent on hotel, travel, and other related transactions.
Other Eligible Spends: Earn 1 BluChip for every ₹100 on all other eligible purchases (exclusions apply).
Exclusions: BluChips are not awarded on cash withdrawals, balance transfers, Flexipay, e-wallet top-ups, cashback transactions, rent, fuel, utility bills, gaming and government transactions.
Auto-crediting: BluChips are credited automatically to your IndiGo BluChip account at the end of each statement cycle.
Membership Requirement: IndiGo BluChip membership is mandatory to receive BluChips on your card.

B. Example of Monthly BluChips Earned

Below is a sample illustration based on typical monthly spends using the card.

Category	Monthly Spend	IndiGo BluChips Earned
IndiGo bookings (App & Web)	₹5,000	150
Hotels & travel (MCC)	₹2,000	40
Other eligible spends (groceries, dining)	₹3,000	30
Excluded expenses (fuel, utilities, rent, etc.)	₹4,000	0

In this example, focused IndiGo bookings and travel-category spending generate the fastest BluChip accrual.

Disclaimer: Actual BluChip earnings depend on merchant classification, transaction type and final verification by the issuer.

C. How to Redeem IndiGo BluChips

To redeem your earned IndiGo BluChips, log in to your IndiGo BluChip Membership account on the IndiGo website or mobile app and choose your travel dates and destination.
When searching flights, select ‘Pay with BluChips’ as your payment method, then choose the flight and cabin you prefer.
You can redeem BluChips for flights that are marketed and operated by IndiGo, with no blackout dates and up to the last available seat.
BluChips can be used for bookings for yourself and your nominees but cannot be used for add-ons, taxes, fees or charges.

D. Annual Savings Example

Here’s a simple example of how BluChips can accumulate over a typical year with the IndiGo SBI Card, based on the earning scheme explained above:

Category	Annual Spend	BluChips Earned
IndiGo flight bookings (App & Website)	₹60,000	1,800
Hotel & travel category spends	₹24,000	480
Other eligible spends (groceries, dining)	₹36,000	360
Total BluChips earned	—	2,640

In this example, prioritising flight and travel spend can significantly raise your BluChips balance, giving you more flexibility when redeeming for flights.

E. Redemption Options

Once logged in to your IndiGo BluChip account, search and book flights using your BluChips directly on IndiGo’s booking widget.
BluChips are applied before cash, so you can also combine cash + BluChips for a partial redemption on the same booking.
BluChips cannot be redeemed for cash or transferred to another programme. They are redeemable only for IndiGo flights that are marketed and operated by the airline.
Your BluChip balance and redemption history can be viewed in the Loyalty Dashboard on the IndiGo website or mobile app.

Disclaimer: Actual redemption requirements and value can depend on flight routes, cabin type, seasonality, airline pricing, etc. Always check the latest terms on the official loyalty platform before redeeming your BluChips.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

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Sajhyadri C

Financial Content Specialist

Reviewer

Roshani Ballal

Frequently Asked Questions

Is the IndiGo SBI Card worth it?

If you’re a frequent traveller with IndiGo, the card’s rewards, lounge access, and BluChips system make it a valuable option for earning travel-related perks.

What makes the IndiGo SBI Card different from other cards?

The IndiGo SBI Card offers exclusive benefits for IndiGo passengers, including flight rewards, lounge access, and BluChips on purchases, setting it apart from general-purpose cards.

How do I earn and redeem points on the IndiGo SBI Card?

You earn IndiGo BluChips on eligible purchases, which can be redeemed for flight bookings or other travel-related rewards through the IndiGo app or website.

What are the annual fees and charges for the IndiGo SBI Card?

The annual fee is ₹1,499 + GST, with a similar renewal fee. Other charges, such as cash advance fees and foreign currency transaction fees, apply based on usage.

How can I apply for the IndiGo SBI Card?

You can apply for the card online through Bajaj Markets by submitting your details and verifying your identity via OTP.

How does the IndiGo SBI Card compare with other travel credit cards?

The IndiGo SBI Card provides unique benefits tailored for IndiGo travellers, such as earning IndiGo BluChips and access to exclusive offers on flights.

How can I get the most value from the IndiGo SBI Card?

Maximise your rewards by using the card for travel-related expenses, ensuring timely payments, and redeeming your BluChips wisely for flight bookings or upgrades.