IndiGo, SBI Card Launch Co-Branded Credit Cards: 7% Rewards Beat Rising Travel Costs

Discover how IndiGo SBI Card and ELITE transform 2025 travel with up to 7% rewards! Unlock 29,000 BluChips, free flights, and international lounge access amidst soaring travel costs. Which card saves you more—Standard or ELITE? Dive into exclusive insurance, milestone bonuses, and flexible redemptions for flights, hotels, and upgrades. A Delhi flyer’s secret to stress-free luxury travel awaits—can you guess the game-changing perk? Apply now to skyrocket your travel savings in 2025 with IndiGo’s BluChip program!

IndiGo and SBI Card have partnered to launch co-branded premium credit cards—IndiGo SBI Card and IndiGo SBI Card ELITE—under the IndiGo BluChip loyalty program in 2025. This collaboration offers frequent Indian flyers a gateway to transform everyday spending into rewarding travel experiences with exclusive benefits on IndiGo flights, hotel bookings, and travel-related expenses. As air travel surges in India, these cards combine convenience and value with one of the country’s most popular airlines and a leading credit card issuer.

Value for Frequent Flyers

With travel becoming a significant part of modern lifestyles, SBI Card and IndiGo have crafted tailored credit card solutions that go beyond the ordinary reward points system. This program is designed to benefit not only frequent flyers but also travel enthusiasts who want to leverage their daily spending into meaningful travel benefits. Recently launched in September 2025, these cards deliver enhanced rewards, premium lounge access, and comprehensive insurance benefits, setting new standards in Indian travel credit cards.

Key Takeaways

• IndiGo SBI Card & ELITE: Launched in 2025 under the IndiGo BluChip loyalty program, offering up to 7% rewards on IndiGo spends.
• Rewards: Earn BluChips for flights, hotels, seat upgrades, meals, and more; up to 29,000 bonus BluChips annually.
• Lounge Access: Domestic access for both cards; ELITE includes 6 international visits yearly.
• Travel Insurance (ELITE): Covers flight cancellations, lost baggage, and card loss.
• Fees: Rs. 1,499 + GST (standard) and Rs. 4,999 + GST (ELITE).
• Redemption: Use BluChips for IndiGo services, enhancing travel value for frequent flyers.

Overview of IndiGo SBI Card and IndiGo SBI Card ELITE

Two Variants for Different Traveler Profiles

The IndiGo SBI Card and IndiGo SBI Card ELITE cater to diverse travel needs in India’s fast-growing aviation market.

1. IndiGo SBI Card:  Annual fee of Rs. 1,499 + GST, suits occasional travelers seeking value without a high cost.
2. IndiGo SBI Card ELITE: Annual fee of Rs. 4,999 + GST, targets frequent flyers with enhanced rewards and exclusive benefits like international lounge access and travel insurance.

Both cards integrate with IndiGo’s BluChip loyalty program, allowing cardholders to earn and redeem BluChips, IndiGo’s travel currency, across a range of services.

Key Features Comparison

Here’s a quick breakdown of the two variants to help you choose:

Feature	IndiGo SBI Card	IndiGo SBI Card ELITE
Annual Fee	Rs. 1,499 + GST	Rs. 4,999 + GST
Welcome Benefit	2,500 IndiGo BluChips	5,000 IndiGo BluChips + 1 6E Eats Voucher
Annual Renewal Benefit	2,500 IndiGo BluChips	5,000 IndiGo BluChips + 1 6E Eats Voucher
Rewards on IndiGo Spends	3 BluChips per Rs. 100	7 BluChips per Rs. 100
Rewards on Hotel/Travel Spends	2 BluChips per Rs. 100	3 BluChips per Rs. 100
Rewards on Other Spends	1 BluChip per Rs. 100	2 BluChips per Rs. 100
Domestic Lounge Access	4 visits/year (1 per quarter)	8 visits/year (2 per quarter)
International Lounge Access	Not included	6 visits/year (2 per quarter)
Insurance Benefits	Limited	Flight cancellations, baggage loss, card loss
Additional Perks	–	4 6E Prime Passes on Rs. 1 Lakh spend within 90 days

These cards are available on Mastercard and RuPay platforms, ensuring wide acceptance and contactless payment convenience across 24 million outlets globally, including 3.25 lakh in India.

Why These Cards Matter for Indian Travelers in 2025

A Booming Travel Market

India’s aviation sector is thriving, with IndiGo commanding over 60% of the domestic market share in 2025. As disposable incomes rise and travel becomes a lifestyle staple, the IndiGo SBI Card and ELITE tap into this trend by offering rewards tailored to frequent flyers. Whether you’re a Bengaluru-based entrepreneur jetting to Mumbai weekly or a family planning an annual vacation, these cards turn everyday purchases—groceries, dining, or online shopping—into travel perks.

Beyond Traditional Reward Points

Unlike generic credit cards, the IndiGo SBI Cards focus on travel-specific rewards through BluChips, which are more versatile than standard reward points. A Mumbai-based couple recently shared on X how they redeemed BluChips for a free IndiGo flight to Goa, highlighting the cards’ real-world value. With travel constituting a significant spend category for Indians, as noted by SBI Card’s MD & CEO Salila Pande, these cards are designed to make every journey seamless and rewarding.

How to Earn and Redeem BluChips

Earning BluChips

The IndiGo SBI Card and ELITE make earning rewards straightforward:

• IndiGo Ecosystem Spends:
  • ELITE: Earn up to 7 BluChips per Rs. 100 spent on IndiGo’s website or app (including flights, upgrades, and services).
  • Standard: Earn 3 BluChips per Rs. 100 on IndiGo spends.
• Hotel and Travel Bookings (Other Platforms):
  • ELITE: 3 BluChips per Rs. 100.
  • Standard: 2 BluChips per Rs. 100.
• Other Spends (excluding utilities, fuel, insurance, rentals, gaming, government transactions):
  • ELITE: 2 BluChips per Rs. 100.
  • Standard: 1 BluChip per Rs. 100.
• Milestone Bonuses:
  • Standard: 2,500 BluChips on annual spends of Rs. 2 lakh, Rs. 4 lakh, and Rs. 6 lakh.
  • ELITE: 6,000 BluChips on annual spends of Rs. 3 lakh, Rs. 6 lakh, Rs. 9 lakh, and Rs. 12 lakh.
  • Total potential: Up to 29,000 bonus BluChips annually with combined spending and travel privileges.

Redeeming BluChips

BluChips are credited to your IndiGo BluChip account every statement cycle and can be redeemed for:

1. IndiGo Flight Bookings: Book domestic or international flights directly on IndiGo’s platform.
2. Seat Upgrades: Enhance comfort with extra legroom or priority seating.
3. Hotel Reservations: Use BluChips for stays via IndiGo’s travel partners.
4. Onboard Meals: Redeem for in-flight dining options.
5. Fast Forward Vouchers: Access priority check-in and boarding services.

This flexibility ensures BluChips go beyond flights, adding value to your entire travel experience. For example, a Chennai-based frequent flyer used 5,000 BluChips to upgrade seats and book a meal, making a short flight more comfortable.

Pro Tips for Maximizing IndiGo SBI Card Benefits

To get the most out of your IndiGo SBI Card or ELITE, follow these expert strategies:

1. Maximize IndiGo Spends: Book directly through IndiGo’s website or app to earn the highest reward rates (7% for ELITE, 3% for standard).
2. Hit Quarterly Spend Thresholds: Spend Rs. 50,000 (standard) or Rs. 1,00,000 (ELITE) per quarter to unlock lounge access, especially valuable for frequent travelers.
3. Leverage BluChip Tiers: Enroll in IndiGo’s BluChip loyalty program tiers (Blu 3 to Blu 1) to earn additional rewards based on flight frequency and spends.
4. Plan Milestone Spending: Time large purchases (e.g., electronics or travel bookings) near annual reset dates to hit milestone thresholds for bonus BluChips.
5. Use ELITE’s Insurance: Familiarize yourself with the ELITE card’s travel insurance for flight cancellations (up to Rs. 3,000 per ticket, 4 times yearly) and baggage loss (up to Rs. 72,000).
6. Redeem Strategically: Compare BluChip redemption values for flights versus upgrades to maximize savings—flights often offer the best value.
7. Use Contactless Payments: Both cards support contactless transactions, reducing fraud risks and speeding up payments at 3.25 lakh Indian outlets.

Common Mistakes to Avoid with IndiGo SBI Cards

Avoid these pitfalls to ensure you’re getting the full value from your card:

1. Ignoring Annual Fees: The Rs. 4,999 fee for ELITE is steep—ensure your travel frequency justifies it. The standard card’s Rs. 1,499 fee is more affordable for casual travelers.
2. Missing Spend Thresholds: Failing to meet quarterly spends (Rs. 50,000 for standard, Rs. 1,00,000 for ELITE) means losing lounge access.
3. Suboptimal Redemptions: Redeeming BluChips for low-value options (e.g., small vouchers) reduces their worth—prioritize flights or upgrades.
4. Overlooking Exclusions: No BluChips are earned on utility bills, fuel, insurance, rentals, gaming, or government transactions, so focus spends elsewhere.
5. Neglecting ELITE Perks: ELITE cardholders should use the 6E Prime Passes (earned on Rs. 1 lakh spend within 90 days) and insurance benefits during travel disruptions.

Benefits That Set IndiGo SBI Cards Apart in 2025

Tailored for Indian Travelers

The IndiGo SBI Card and ELITE stand out in India’s competitive credit card market for their travel-focused rewards. Here’s why they’re a game-changer:

• High Rewards on IndiGo Spends: Up to 7% rewards on ELITE card spends within IndiGo’s ecosystem, unmatched by most co-branded cards.
• Lounge Access: Standard card offers 4 domestic visits yearly; ELITE adds 6 international visits, ideal for globetrotters.
• Travel Insurance (ELITE): Covers flight cancellations, lost baggage, and card loss, providing peace of mind for frequent flyers.
• Welcome and Renewal Bonuses: 2,500–5,000 BluChips on enrollment and renewal, plus 6E Eats vouchers for ELITE users.
• Flexible Redemption: BluChips can be used for flights, hotels, meals, and priority services, unlike restrictive airline miles.
• Contactless and Global Acceptance: Available on Mastercard and RuPay, ensuring seamless use in India and abroad.
• Milestone Rewards: Up to 29,000 BluChips annually through spending tiers, rewarding high spenders.

Competing in a Crowded Market

Compared to other travel cards like the Kotak IndiGo 6E Rewards XL or Axis Vistara Signature, the IndiGo SBI Card ELITE offers superior international lounge access and insurance benefits. The standard card competes well with entry-level cards like IRCTC SBI Card Premier, especially for domestic travelers prioritizing affordability.

How to Apply for IndiGo SBI Cards

Applying is simple and accessible for Indian residents aged 18–70 with a stable income:

1. Digital Application: Visit SBI Card’s SPRINT platform or official website (sbicard.com) to apply online. Upload PAN, Aadhaar, and income proof (last 3 months’ salary slips or bank statements).
2. Offline Application: Visit SBI Card retail kiosks at airports or malls for in-person enrollment.
3. Track Application: Use the tracking ID on sbicard.com to monitor your application status.

Pro Tip: Check eligibility on SBI Card’s website to ensure your credit score and income align with requirements.

Final Thought: Should You Apply for the IndiGo SBI Card in 2025?

For Indian travelers who frequently fly IndiGo or spend significantly on travel and related services, the IndiGo SBI Card and IndiGo SBI Card ELITE offer compelling rewards and conveniences unmatched by regular credit cards. The choice between the two depends on travel frequency and willingness to pay a premium for enhanced benefits like international lounge access and insurance.

To get started, visit SBI Card’s official website or use their SPRINT platform for digital application. Prioritize the card variant that fits your travel habits and spending patterns to make the most of these newly launched co-branded credit cards.

Unlock the full potential of your travels in 2025 with IndiGo SBI Card—transform every rupee spent into rewarding journeys. Apply now and start earning BluChips!