IndiGo SBI Card Elite Credit Card

Here are the key highlights of the SBI credit card benefits:

• Welcome gift: This is one of the best RuPay credit cards, offering 5,000 IndiGo BluChips Voucher, 4 6E Prime Passes on spending Rs. 1 Lakh within 90 days of account opening, and 1 6E Eats Voucher on fee payment & first transaction. 
• 6,000 IndiGo BluChips Vouchers on spending Rs. 3 Lakhs, 6 Lakhs, 9 Lakhs, and 12 Lakhs each.
• Complimentary domestic lounge visits: For those who need airport lounge access credit cards, this card gives you 8 domestic airport lounge visits per year (2 per quarter) on a minimum spend of Rs. 1 Lakh in the previous calendar quarter.
• Complimentary international lounge visits: 6 international airport lounge visits per year (maximum 2 per quarter).
• Low foreign currency markup: 1.99%.
• Membership: Complimentary Priority Pass membership for 2 years.
• Rewards: 
  • 7 IndiGo BluChips on spending Rs. 100 on the IndiGo app & website.
  • 3 IndiGo BluChips on spending Rs. 100 on hotel/ lodging & travel MCCs.
  • 2 IndiGo BluChips on spending Rs. 100 on all other categories (except utility, government, rental, fuel, gaming, cross-sell & insurance transactions)
  • IndiGo BluChips will be automatically credited to the cardholder's IndiGo BluChip Account on each statement cycle.
  • Accumulated IndiGo BluChips vouchers can be redeemed on the Indigo app/ website.
• Interest-free credit period: Ranges from 20 to 50 days.
• Insurance cover: This PNB RuPay credit card offers loss of check-in baggage cover of up to Rs. 75,000, lost card liability cover up to Rs. 1,00,000 & 4 flight cancellations of up to Rs. 3,000 per ticket.
• Fuel surcharge waiver: 1% waiver for each transaction between Rs. 500 and Rs. 4,000; maximum up to Rs. 400 per statement cycle, per credit card account.

• Joining fee: Rs. 4,999 + taxes.
• Annual fee: Rs. 4,999 + taxes.
• Add-on Fee (per annum): Nil.
• Foreign currency markup: 1.99%. 
• Cash payment fee: Rs. 199 to Rs. 250 + applicable taxes. 
• Cash advance fee for SBI or other domestic ATMs: 2.5% of transaction amount, minimum of Rs. 500.
• Cash advance fee for international ATMs: 2.5% of transaction amount, minimum Rs. 500.
• Finance charges: Up to 3.75% p.m. (45% p.a.).
• Late payment charges: Up to Rs. 1,300, depending on the outstanding amount due.
• Additional late payment charge: Rs. 100 for missing payment of Minimum Amount Due by the due date for 2 consecutive cycles.
• Overlimit fee: 2.5% of the overlimit amount exceeding the credit limit or Rs.600, whichever is higher.
• Payment dishonour fee: 2% of payment amount, minimum Rs. 500.
• Utility payment fee: 1% of the total amount exceeding Rs.50,000 in a billing cycle.
• Rewards redemption fee: Rs. 99 + applicable taxes.
• Card replacement fee: Rs. 100 to Rs. 250.
• Cheque payment fee: Rs. 200 + applicable taxes.
• Foreign currency transaction fee: 3.5%.
• Processing fee on all rent payment transactions: Rs. 199. 
• Dynamic currency conversion fee: 3.5%. 
• Balance transfer interest rate: 1.7% p.m. (20.40% p.a.)

Under the IndiGo SBI Card Elite Reward Points Program, you get the following benefits:

• 5,000 IndiGo BluChips Voucher as a welcome gift on fee payment and first transaction. 
• 6,000 IndiGo BluChips Vouchers on spending Rs. 3 Lakhs, 6 Lakhs, 9 Lakhs, and 12 Lakhs each.
• 7 IndiGo BluChips on spending Rs. 100 on the IndiGo app & website.
• 3 IndiGo BluChips on spending Rs. 100 on hotel/ lodging & travel MCCs.
• 2 IndiGo BluChips on spending Rs. 100 on all other categories (except utility, government, rental, fuel, gaming, cross-sell & insurance transactions)
• IndiGo BluChips will be automatically credited to the cardholder's IndiGo BluChip Account on each statement cycle.
• Accumulated IndiGo BluChips vouchers can be redeemed on the Indigo app/ website.

To qualify for the IndiGo SBI Card Elite Card, you must meet the following requirements:

• Age: 21 to 70 years.
• Occupation: Salaried or self-employed with a regular source of income. 
• Minimum monthly income: A monthly salary of at least Rs. 3 Lakhs for salaried and annual ITR of Rs. 36 Lakhs per annum for self-employed.
• Credit score: A CIBIL score of preferably 700 or above.

If you want to get an IndiGo SBI Card Elite Card, you can apply online on our portal by following the steps mentioned below:

• Click on the ‘Credit Card’ section on the homepage and select ‘SBI Credit Card’ from the dropdown menu. 
• Click on the preferred credit card from the given options and click on the ‘Apply Now’ button. 
• Mention all the required details.
• Verify your mobile number with an OTP.
• Our credit card expert will get in touch with you to help you complete the application process.

You will need the following documents to apply for the IndiGo SBI Card Elite credit card:

• Identity proof: PAN Card (mandatory) along with Aadhaar Card/ Passport/ Voter’s ID Card/ Driver’s License. 
• Passport-size photographs: 2 to 3 coloured passport-sized photos
• Address proof: Aadhaar Card/ Passport/ Driver’s License/ Recent Utility Bill or Bank Statement not older than 3 months. 
• Income proof for salaried: Latest salary slips of the last 3 months, recent Form 16, and last 3 months’ bank statement.
• Income proof for self-employed: Income Tax Returns and the last 3 months' bank statements.

IndiGo SBI Card Elite credit card is best suited for travellers who use IndiGo airlines frequently for their travel. This card offers a plethora of travel benefits, including 5,000 IndiGo BluChips Vouchers, 4 6E Prime Passes, 1 6E Eats Voucher, 6,000 IndiGo BluChips Vouchers on spending Rs. 3 Lakhs/ 6 Lakhs/ 9 Lakhs/ 12 Lakhs each, 8 domestic and 6 international complimentary airport lounge visits per year, low foreign currency markup of 1.99%, complimentary Priority Pass membership for 2 years, and a comprehensive travel insurance cover.

This is not one of the cash back credit cards you are looking for; however, you can earn reward points in the form of IndiGo BluChips on all your spending.

The card offers 7 IndiGo BluChips on spending Rs. 100 on the IndiGo app & website, 3 IndiGo BluChips on spending Rs. 100 on hotel/ lodging & travel MCCs, and 2 IndiGo BluChips on spending Rs. 100 on all other categories (except utility, government, rental, fuel, gaming, cross-sell & insurance transactions).

• Contact number: 1860 180 1290 (prefix local STD code 39 02 02 02)
• Email at: customercare@sbicard.com
• Write to: SBI Cards & Payment Services Ltd, Post Bag No. 28, GPO, New Delhi - 110001
• Connect on WhatsApp: Send ‘Hi’ to 90040 22022 from your registered mobile number.

• 5,000 IndiGo BluChips Voucher, 4 6E Prime Passes on spending Rs. 1 Lakh within 90 days of account opening, and 1 6E Eats Voucher on fee payment & first transaction. 
• 6,000 IndiGo BluChips Vouchers on spending Rs. 3 Lakhs, 6 Lakhs, 9 Lakhs, and 12 Lakhs each.
• Complimentary 8 domestic and 6 international airport lounge visits per year.
• Low foreign currency markup of 1.99%.
• Complimentary Priority Pass membership for 2 years.
• 7 IndiGo BluChips on spending Rs. 100 on the IndiGo app & website.
• 3 IndiGo BluChips on spending Rs. 100 on hotel/ lodging & travel MCCs.
• 2 IndiGo BluChips on spending Rs. 100 on all other categories (except utility, government, rental, fuel, gaming, cross-sell & insurance transactions)
• Loss of check-in baggage cover of up to Rs. 75,000.
• Lost card liability covers up to Rs. 1,00,000.
• 4 flight cancellations of up to Rs. 3,000 per ticket.
• 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000; maximum up to Rs. 400 per statement cycle, per credit card account.