IndiGo SBI Credit Card
The IndiGo SBI Credit Card is a co-branded card launched by SBI Card with IndiGo. It lets users earn BluChips, the airline’s reward points, faster when booking through the IndiGo website or app. The card has an annual fee of ₹1,499 and is ideal for travellers who want simple savings on IndiGo flights. For frequent flyers seeking more benefits, SBI Card also offers the premium IndiGo SBI Card ELITE with higher rewards and extra travel privileges.
The card also gives rewards beyond flight bookings with extra BluChips on hotels, lodging, and select travel spends. Cardholders get four free domestic lounge visits every year and can earn up to 10,000 bonus BluChips through milestone and renewal benefits. BluChips can be redeemed for IndiGo flights and services to save more. While the IndiGo Kotak Card offers higher reward points on flights, the SBI Card is better for travellers who want lounge access and more travel perks. It is a balanced choice at a reasonable annual fee.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
IndiGo SBI Credit Card – Welcome and Renewal Benefits
The IndiGo SBI Credit Card gives useful rewards when you join or renew. By paying the joining fee and making your first transaction within 60 days, you get 2,500 IndiGo BluChips. Each BluChip can be worth around ₹0.50 to ₹1, which can be used to book IndiGo flights or services. After paying the annual fee, you get another 2,500 BluChips, making it worth keeping the card each year.
Earn BluChips on Spending
You can earn BluChips on flights, travel, and other purchases:
- 3 BluChips per ₹100 on IndiGo website and app
- 2 BluChips per ₹100 on hotels, lodging, and travel-related spends
- 1 BluChip per ₹100 on other purchases
BluChips are added to your account after every billing cycle. Some spends like cash withdrawals, balance transfers, e-wallet top-ups, cashback payments, fuel, utilities, rentals, gaming, and government payments do not earn points.
How to Redeem BluChips for Flights
Using BluChips is simple. Log in to your IndiGo BluChip account on the website or app. When booking a flight, choose ‘Pay with Points’ and select the passengers. You can pay with BluChips, a voucher, or both. Confirm the booking with the OTP sent to your registered mobile number.
Domestic Airport Lounge Access
The card gives four free domestic lounge visits every year. To get this benefit, you need to spend ₹50,000 or more in the previous quarter. For new cards, this requirement is waived for the month of issuance and the same calendar quarter. Lounge access makes travel more comfortable for frequent flyers.
Milestone Rewards
The card also gives extra rewards when you reach certain spending levels:
- Spend ₹2 lakh – earn 2,500 BluChips
- Spend ₹4 lakh – earn another 2,500 BluChips
- Spend ₹6 lakh – earn 2,500 more BluChips
These rewards give extra value for regular IndiGo flyers who spend more on flights and travel.
Why Choose IndiGo SBI Credit Card
This card is ideal for people who fly with IndiGo often and want to save on travel. It gives welcome and renewal bonuses, rewards on flights, hotels, and travel, milestone benefits, and lounge access. Partnerships with brands like Swiggy and EazyDiner help you earn even more BluChips. Overall, it’s a good card for saving money and getting extra travel benefits.
Who should get the IndiGo SBI Credit Card?
This card is best for frequent travellers who often fly with IndiGo and spend on flights, hotels, or travel-related expenses. It is also suitable for anyone who wants extra rewards and benefits on travel.
How do I earn rewards with the IndiGo SBI Card?
You earn 3 BluChips for every ₹100 spent on IndiGo flights, 2 BluChips per ₹100 on hotels, lodging, and select travel spends, and 1 BluChip per ₹100 on all other purchases. The BluChips can be redeemed for IndiGo flights or services through the app or website.
What are the welcome and milestone benefits?
New cardholders get 2,500 BluChips as a welcome bonus after the first transaction within 60 days. You can also earn milestone rewards of 2,500 BluChips each on spending ₹2 lakh, ₹4 lakh, and ₹6 lakh in a year, giving a total of up to 7,500 extra BluChips.
Does the card offer lounge access?
Yes, it provides four complimentary domestic airport lounge visits per year. Lounge access is available after spending ₹50,000 in the previous quarter. For new cards, this spending requirement is waived for the first month and quarter.
How much is the annual fee and are there any renewal benefits?
The annual fee is ₹1,499 plus taxes. On renewal, you receive 2,500 bonus BluChips, which helps offset the cost of the fee. There is no spend-based fee waiver.
Which networks is the card available on?
The IndiGo SBI Credit Card is available on Mastercard and RuPay networks.
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