Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Annual and renewal fee₹1,499 + applicable taxesEffective 30 Jul 2026
Source 1Maximum annual finance chargeUp to 45% per annumEffective 30 Jul 2026
Source 2Maximum monthly finance chargeUp to 3.75% per monthEffective 30 Jul 2026
Source 3Foreign-currency markup3.5%Effective 30 Jul 2026
Source 4IndiGo BluChips3 BluChips per ₹100 on IndiGo app and website spends; 2 per ₹100 on hotel, lodging and travel MCCs; 1 per ₹100 on other eligible spends
Source 5Welcome benefit2,500 IndiGo BluChips voucher after annual-fee payment and the first transaction within 60 days
Source 6Renewal benefit2,500 IndiGo BluChips voucher after annual-fee payment
Source 7Spend milestones2,500 IndiGo BluChips voucher at each of ₹2 lakh, ₹4 lakh and ₹6 lakh spend
Source 8Domestic airport-lounge access4 visits per year, maximum 1 per quarter after ₹50,000 spend in the previous quarter
Source 9Fuel-surcharge waiver1% on fuel transactions from ₹500 to ₹4,000; maximum ₹200 per statement cycle
Source 10Interest-free credit period20 to 50 days when the previous statement balance is paid in full; not available for cash advancesEffective 30 Jul 2026
Source 11IssuerSBI Cards and Payment Services Limited (SBICPSL)
Source 12Interest-free period and minimum amount dueInterest-free credit period 20-50 days only on retail purchases when the previous statement is paid in full. Minimum amount due: 100% GST + 100% EMI + 100% fees/
Source 13Cash-advance termsMaximum ATM cash withdrawal ₹15,000/day within the cash limit; no MCC 6010 over-the-counter cash disbursement; no free-credit period; finance charge starts on withdrawal date; ATM fee 2.5% with minimum ₹500; minimum finance charge ₹25Effective 30 Jul 2026
Source 14Payment and late-payment chargesCash payment ₹250; dishonour 2% of payment, minimum ₹500; cheque payment ₹200. Late fee: ₹0 up to ₹100; ₹100 above ₹100-₹500; ₹500 above ₹500-₹1,000; ₹750 above ₹1,000-₹10,000; ₹950 above ₹10,000-₹25,000; ₹1,100 above ₹25,000-₹50,000; ₹1,300 above ₹50,000; additional late-payment charge ₹100; ₹500 late charge on revolving balance above ₹1,000Effective 30 Jul 2026
Source 15Overlimit and replacement feesOverlimit fee 2.5% of overlimit amount, minimum ₹600, not reversed on reversal/
Source 16Redemption, utility, education, wallet, rent and lounge feesRewards redemption ₹99 for specified physical products, statement credit and physically sent vouchers, except AURUM. Utility payments: 1% when billing-cycle total exceeds ₹50,000, effective 1 December 2024. Third-party-app education payments: 1%, effective 1 November 2025; direct school/
Source 17Grace period, surcharge and tax rulesThree-day payment-processing grace period only when no earlier-cycle amount is overdue. Railway surcharge follows IRCTC/
Source 18Payment allocation and merchant-code conditionsPayments allocate to GST, EMI, fees/
Source 19Benefits and features
- IndiGo BluChip earning across travel and other eligible spends
- Welcome, renewal and three spend-milestone vouchers
- Conditional domestic lounge access
- Fuel-surcharge waiver
Eligibility
- Issued and underwritten by SBI Cards and Payment Services Limited; approval, credit limit and final pricing are subject to its assessment.
- BluChip earning and voucher redemption remain subject to IndiGo and SBI Card programme terms.
- The reviewed page does not publish a minimum-income threshold.
Passing a listed condition does not mean the bank will approve an application.
