Credit cards

IndiGo Card ELITE

A premium IndiGo co-branded card earning up to 7 BluChips per ₹100, with domestic and international lounge access, milestone vouchers, travel covers, a 1.99% forex markup and a ₹4,999 annual fee.

Cashback / reward formIndiGo SBI Card ELITE earns IndiGo BluChips rather than statement cashback: 7 BluChips per ₹100 on IndiGo app and website spends, 3 per ₹100 on hotel, lodging and travel MCCs and 2 per ₹100 on other eligible spends. The reviewed page does not publish a cash-conversion rate.IndiGo BluChips7 BluChips per ₹100 on IndiGo app and website spends; 3 per ₹100 on hotel, lodging and travel MCCs; 2 per ₹100 on other eligible spends Offers and promotional benefitsWelcome benefit: 5,000 IndiGo BluChips voucher and one 6E Eats voucher after fee payment and the first transaction within 60 days; four 6E Prime passes after ₹1 lakh spend within 90 days; Renewal benefit: 5,000 IndiGo BluChips voucher and one 6E Eats voucher after annual-fee payment; Spend milestones: 6,000 IndiGo BluChips voucher at each of ₹3 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh spend

Official product page ↗Compare category

✓ Manually checked 31 Aug 2026 · active

Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual and renewal fee₹4,999 + applicable taxesEffective 30 Jul 2026View source

The and product page list ₹4,999 joining and renewal fees with no fee-waiver threshold.

Source: Card Key Fact Statement
Page / section: Page 1 — card-wise annual and renewal fee table
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Maximum annual finance chargeUp to 45% per annumEffective 30 Jul 2026View source

The unsecured-card finance charge is 3.75% per month, or 45% per annum.

Source: Card Key Fact Statement
Page / section: Page 7 — extended credit
Accessed: 13 Aug 2026
Confidence: high

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Maximum monthly finance chargeUp to 3.75% per monthEffective 30 Jul 2026View source

The publishes a ₹25 minimum finance charge.

Source: Card Key Fact Statement
Page / section: Page 7 — extended credit
Accessed: 13 Aug 2026
Confidence: high

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Foreign-currency markup1.99%View source

The current catalogue explicitly publishes a 1.99% forex markup; the also excludes this card from the standard 3.5% fee.

Source: Card Personal Credit Card Catalogue
Page / section: IndiGo Card ELITE
Accessed: 13 Aug 2026
Confidence: high

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IndiGo BluChips7 BluChips per ₹100 on IndiGo app and website spends; 3 per ₹100 on hotel, lodging and travel MCCs; 2 per ₹100 on other eligible spendsView source

The page lists excluded categories separately.

Source: IndiGo Card ELITE
Page / section: Reward Benefits
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Welcome benefit5,000 IndiGo BluChips voucher and one 6E Eats voucher after fee payment and the first transaction within 60 days; four 6E Prime passes after ₹1 lakh spend within 90 daysView source

The welcome components have separate fee, transaction and spend conditions.

Source: IndiGo Card ELITE
Page / section: Welcome Benefits
Accessed: 13 Aug 2026
Confidence: high

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Renewal benefit5,000 IndiGo BluChips voucher and one 6E Eats voucher after annual-fee paymentView source

Redemption remains subject to IndiGo programme terms.

Source: IndiGo Card ELITE
Page / section: Renewal Benefit
Accessed: 13 Aug 2026
Confidence: high

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Spend milestones6,000 IndiGo BluChips voucher at each of ₹3 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh spendView source

A separate 6,000-BluChip voucher is published for each threshold.

Source: IndiGo Card ELITE
Page / section: Milestone Benefits
Accessed: 13 Aug 2026
Confidence: high

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Airport-lounge access8 domestic visits per year, maximum 2 per quarter after ₹1 lakh previous-quarter spend; 6 international visits per year, maximum 2 per quarterView source

Domestic visits carry the published previous-quarter spend condition; international visits carry a quarterly cap.

Source: IndiGo Card ELITE
Page / section: Domestic and International Lounge Benefits
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Fuel-surcharge waiver1% on fuel transactions from ₹500 to ₹4,000; maximum ₹400 per statement cycleView source

The page publishes the qualifying transaction band and statement-cycle cap.

Source: IndiGo Card ELITE
Page / section: Fuel Surcharge Waiver
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Published travel and card coversFour flight cancellations per year up to ₹3,000 each; lost-card liability up to ₹1 lakh; additional baggage, document and delay covers under policy termsView source

All covers remain subject to claim events, evidence, policy limits and exclusions.

Source: IndiGo Card ELITE
Page / section: Insurance
Accessed: 13 Aug 2026
Confidence: high

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Interest-free credit period20 to 50 days when the previous statement balance is paid in full; not available for cash advancesEffective 30 Jul 2026View source

The makes the period conditional on full previous-statement payment.

Source: Card Key Fact Statement
Page / section: Page 7 — extended credit
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

IssuerSBI Cards and Payment Services Limited (SBICPSL)View source

The controlling terms identify as issuer.

Source: Card Most Important Terms and Conditions
Page / section: Issuer and cardholder agreement
Accessed: 13 Aug 2026
Confidence: high

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NetworkMastercard or RuPay.View source

The official IndiGo pages say payments can be made at outlets accepting MasterCard or RuPay.

Source: IndiGo Card product pages
Page / section: International use / global acceptance
Accessed: 21 Aug 2026
Confidence: high

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Interest-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/charges + 100% finance charges + overlimit amount + 2% of remaining balanceEffective 30 Jul 2026View source

The formula and the condition for retaining the interest-free period are preserved in full.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 7 — Extended Credit
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Cash-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 2026View source

Domestic, and international cash-advance fees use the published percentage and minimum.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 7 — Cash Advance
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Payment 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 2026View source

Every outstanding band, boundary and additional charge in the is included.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 7 — Other Charges & Fees
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Overlimit and replacement feesOverlimit fee 2.5% of overlimit amount, minimum ₹600, not reversed on reversal/cancellation/refund. Card replacement ₹100-₹250Effective 30 Jul 2026View source

The AURUM-only ₹1,500 replacement exception is excluded because these products are not AURUM.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 7 — Other Charges & Fees
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Redemption, 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/college website or POS payments excluded. Wallet load above ₹1,000: 1% per transaction from 1 November 2025. Rent payment: ₹199, not reversed on cancellation/refund. Priority Pass visits: up to USD 27 plus tax in India and after complimentary international visitsEffective 30 Jul 2026View source

All thresholds, effective dates, exclusions and non-reversal conditions are retained.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 8 — Transaction fees and lounge charges
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Grace period, surcharge and tax rulesThree-day payment-processing grace period only when no earlier-cycle amount is overdue. Railway surcharge follows IRCTC/Railways. Fuel surcharge 1% plus taxes by acquiring bank; eligible select cards may receive 1% waiver excluding GST under product terms. Taxes: Haryana CGST 9% + SGST 9%; other states IGST 18%Effective 30 Jul 2026View source

Product-specific fuel-waiver limits remain in their own facts; this records the -wide mechanism.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Pages 8-9 — Grace period, surcharge and taxes
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Payment allocation and merchant-code conditionsPayments allocate to GST, EMI, fees/charges, finance charges, balance transfer, retail spends and cash advance in that order. Rent uses MCC 6513; utility MCC 4900; education MCC 8211/8220/8241/8244/8249/8299; wallet MCC 6540/6541. Networks may change MCCs without customer intimationEffective 30 Jul 2026View source

Every allocation category and merchant-code footnote is retained.

Source: Card Key Fact Statement — 30 July 2026
Page / section: Page 9 — Tax, allocation and footnotes
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Offers and promotional benefitsWelcome benefit: 5,000 IndiGo BluChips voucher and one 6E Eats voucher after fee payment and the first transaction within 60 days; four 6E Prime passes after ₹1 lakh spend within 90 days; Renewal benefit: 5,000 IndiGo BluChips voucher and one 6E Eats voucher after annual-fee payment; Spend milestones: 6,000 IndiGo BluChips voucher at each of ₹3 lakh, ₹6 lakh, ₹9 lakh and ₹12 lakh spendView source

Combined from the product’s manually reviewed welcome, milestone and renewal-benefit facts; see each issuer source for eligibility and fulfilment terms.

Source: IndiGo Card ELITE
Page / section: Welcome Benefits
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

EligibilityAge 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.View source

Age 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.

Source: IndiGo Card ELITE — official eligibility and network details
Page / section: Application guidelines / card network
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

The official page publishes BluChip earn rates and vouchers, not a statement-cashback programme or cash-conversion rate.

Source: IndiGo Card ELITE — official product page
Page / section: BluChip earn rates and redemption
Accessed: 28 Aug 2026
Confidence: high

Open official source ↗

Renewal-fee waiverNo spend-based renewal-fee waiver is listed in SBI Card's current official fee table for IndiGo SBI Card ELITE; the listed renewal fee is ₹4,999 plus applicable taxes.Effective 22 Jul 2025View source

The official table lists ₹4,999 renewal for IndiGo Card ELITE without a waiver parenthetical, while variants that have spend-based waivers are explicitly annotated in adjacent rows.

Source: Card Most Important Terms and Conditions
Page / section: Fees and Charges — Annual & Renewal Fees — IndiGo Card ELITE
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Premium IndiGo BluChip earning
Four annual milestone thresholds
Domestic and international lounge access
Travel benefits and 1.99% forex markup

Eligibility

Issued and underwritten by Cards and Payment Services Limited; approval, credit limit and final pricing are subject to its assessment.
BluChip earning, lounge access and travel covers remain subject to programme or policy terms.
The reviewed page does not publish a minimum-income threshold.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Card
Aadhaar Card with first 8 digits masked or another valid government address proof
Recent passport-size photograph
Employment proof such as offer letter or salary slips, when requested
Income evidence when requested: consecutive two-month salary slips, latest Form 16, latest acknowledged , last two months' bank statement or eligible other-bank credit-card statement with card-face copy

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees

Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees

Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableCardChoose column

Apollo Card · Annual fee₹499four hundred ninety-nine rupees

This value is copied from Card annual and renewal fees — 30 July 2026 . Check the table notes before relying on it.

Source: Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 20 rows · 3 columnsSBI Card annual and renewal fees — 30 July 2026 KFSCard-wise fee and spend-based waiver rows for the SBI cards in this catalogue.View tableHide table

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SBI Card annual and renewal fees — 30 July 2026 KFS
Card	Annual fee	Renewal fee / waiver
Apollo Card	₹499	₹499; waived on annual spends of ₹1 lakh or more in preceding year
Apollo Card SELECT	₹1,499	₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card	₹499	₹499; waived on annual spends of ₹50,000 or more in preceding year
Card Octane	₹1,499	₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
CASHBACK Card	₹999	₹999; waived on annual spends of ₹2 lakh or more in preceding year
Flipkart Card	₹500	₹500; waived on annual spends of ₹3.5 lakh or more in preceding year
IndiGo Card	₹1,499	₹1,499
IndiGo Card ELITE	₹4,999	₹4,999
PhonePe Card PURPLE	₹499	₹499; waived on annual spends of ₹1 lakh or more in preceding year
PhonePe Card SELECT BLACK	₹1,499	₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card ELITE	₹4,999	₹4,999; waived on annual spends of ₹10 lakh or more in preceding year
Card MILES	₹1,499	₹1,499; waived on annual spends of ₹6 lakh or more in preceding year
Card MILES ELITE	₹4,999	₹4,999; waived on annual spends of ₹15 lakh or more in preceding year
Card MILES PRIME	₹2,999	₹2,999; waived on annual spends of ₹10 lakh or more in preceding year
Card PRIME	₹2,999	₹2,999; waived on annual spends of ₹3 lakh or more in preceding year
Card PULSE	₹1,499	₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
SimplyCLICK Card	₹499	₹499; waived on annual spends of ₹1 lakh or more in preceding year
SimplySAVE Card	₹499	₹499; waived on annual spends of ₹1 lakh or more in preceding year
Tata Neu Infinity Credit Card	₹1,499	₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Tata Neu Plus Credit Card	₹499	₹499; waived on annual spends of ₹1 lakh or more in preceding year

The states annual and renewal fees can vary by cardholder and variant; applicable taxes are additional.

Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗

Table 2 · 23 rows · 2 columnsSBI Card common charges and limits — 30 July 2026 KFSCommon charges apply according to the card variant and the KFS exclusions below.View tableHide table

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SBI Card common charges and limits — 30 July 2026 KFS
Charge / feature	Published amount or condition
Interest-free period	20–50 days on retail purchases when the previous month’s outstanding balance is paid in full
Finance charge	3.75% per month / 45% p.a. for unsecured cards; 2.75% per month / 33% p.a. for Shaurya, defence and secured cards
Minimum finance charge	₹25
Minimum amount due	100% of + 100% of amount + 100% of fees/charges + 100% of finance charges + overlimit amount (if any) + 2% of remaining outstanding balance
Cash-advance limit	Cash-advance limit is part of overall credit limit; maximum withdrawal ₹15,000 per day on 6011, subject to cash-advance availability; 6010 over-the-counter cash is unavailable
Cash-advance fee	2.5% of transaction amount, minimum ₹500, at and other domestic and international
Cash payment	₹250
Payment dishonor	2% of payment amount, minimum ₹500
Cheque payment	₹200
Late payment	Nil for ₹0–₹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
Overlimit fee	2.5% of overlimit amount, minimum ₹600; not reversed on transaction reversal/cancellation/refund
Card replacement	₹100–₹250; ₹1,500 for Aurum
Foreign-currency transaction /	3.5% for most cards; 3% for Card MILES; 2.5% for Card MILES PRIME; 1.99% for AURUM, ELITE, PRIME Secured, Tata Neu Infinity, Card MILES ELITE and specified exclusions
Rewards redemption	₹99 for physical products, statement credit and physically sent vouchers for all cards except AURUM, subject to the conditions
Utility payment	1% when total utility payments exceed ₹50,000 in a billing cycle; 4900
Education payment	1% on education payments through third-party apps; direct college/school website or payments do not attract this fee; 8211, 8220, 8241, 8244, 8249 and 8299
Wallet load	1% on every wallet-load transaction exceeding ₹1,000; 6540 and 6541
Rent payment	₹199 + applicable taxes for 6513; not reversed on reversal/cancellation/refund
Lounge usage	Up to USD 27 per visit plus taxes for international lounge programmes after applicable complimentary visits; domestic/international programme rules vary by card
Payment grace period	3 days from payment due date where payments are not overdue from previous billing cycle(s)
Fuel surcharge	1% of transaction amount plus taxes; eligible select cards receive 1% waiver excluding ; waiver terms vary by product
Tax treatment	Applicable taxes are charged on fees, interest and charges; the describes 9% Central + 9% State tax for Haryana residence and 18% integrated tax otherwise

The includes dated footnotes and says network partners may change classifications; current product terms can add card-specific conditions.

Card Key Fact Statement — 30 July 2026 · Pages 7–9 — Extended Credit, Cash Advance, Other Charges & Fees and footnotes · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗

IndiGo Card ELITE

What the official sources publish

Benefits and features

Eligibility

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