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IndiGo SBI Card

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: Jul 10, 2026

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What is an IndiGo SBI Card

The IndiGo SBI Card is a co-branded travel credit card designed for individuals who frequently travel with IndiGo. It allows cardholders to earn accelerated IndiGo BluChips on eligible IndiGo bookings and other qualifying spends, which can be redeemed for future bookings through the IndiGo website or app.

The card also offers milestone-based BluChip rewards and valuable travel benefits, including domestic airport lounge access. Cardholders can enjoy up to four complimentary domestic lounge visits in a year (one per quarter), subject to achieving spends of ₹50,000 in the preceding quarter. Additionally, new cardholders can receive a 2,500 IndiGo BluChip voucher on spending ₹10,000 within 30 days of account opening, making the card rewarding for regular IndiGo travellers.

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
Special Offer	Get 2,500 IndiGo BluChip Voucher on spends of ₹10,000 within 30 days of account opening

IndiGo SBI Card: Benefits

The IndiGo SBI Card offers travel-focused rewards, milestone benefits, lounge access, and everyday spending advantages. Here's a quick overview of its key benefits:

Benefit Category	Details
Reward Points (IndiGo BluChips)	Earn 3 IndiGo BluChips per ₹100 spent on the IndiGo app and website. Earn 2 IndiGo BluChips per ₹100 spent on hotels, travel, and related merchant categories. Earn 1 IndiGo BluChip per ₹100 spent on all other eligible purchases.
Welcome Benefit	Get 2,500 IndiGo BluChips after your first transaction and payment of the annual fee.
Domestic Lounge Benefits	Enjoy up to 4 complimentary domestic airport lounge visits per year (1 per quarter), subject to spending ₹50,000 in the preceding quarter.
Renewal Benefit	Receive 2,500 IndiGo BluChips every year on payment of the renewal fee from the second year onwards.
Milestone Benefit	Earn 2,500 bonus IndiGo BluChips each on reaching annual spends of ₹2 Lakhs, ₹4 Lakhs, and ₹6 Lakhs.
Fuel Surcharge Waiver	Get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, subject to applicable terms and statement cycle limits.
Contactless Advantage	Make faster and more secure payments through contactless payment technology at enabled merchant terminals.
Flexipay	Enjoy flexible repayment options and the ability to convert eligible spends into manageable payment plans, subject to SBI Card terms and conditions.
Balance Transfer	Balance transfer facility may be available as per SBI Card's prevailing policies and eligibility criteria.
Utility Bill Payment	Use the card for utility bill payments and earn IndiGo BluChips on eligible transactions as per the rewards programme.

IndiGo SBI Card: Fees and Charges

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.

Indigo SBI Card Eligibility Criteria

Before applying for the IndiGo SBI Card, ensure that you meet the following eligibility requirements:

Eligibility Parameter	Requirement
Nationality	Indian
Age	21 and 70 years
Employment Type	Salaried or self-employed individual
Income Requirement	Must meet the minimum income criteria prescribed by SBI Card
Income Stability	Should have a stable source of income
Credit Score	A credit score of 700 or above is generally preferred for smoother approval

Note: Final approval is subject to the issuer’s internal policies, verification process, and eligibility assessment.

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

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:

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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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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Pradnya Ranpise

Financial Content Specialist

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Saptarshi Ghosh

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.