IndiGo, the largest low-cost airline in India, and SBI Card have collaborated to introduce a co-branded credit card designed for travelers. The IndiGo SBI Card isn’t just another piece of plastic — it’s tied into IndiGo’s BluChip loyalty program, giving cardholders the chance to turn daily expenses into travel rewards.
Here’s everything you need to know before applying.
Features and Benefits
1. Rewards and BluChip Integration
- Up to 7% rewards rate depending on spend category
- All rewards earned convert directly into BluChips (IndiGo’s loyalty currency)
- BluChips can be redeemed for:
- IndiGo flight bookings
- Seat selection, meals, and add-ons
- Partner services under IndiGo’s loyalty ecosystem
2. Welcome and Milestone Benefits
- New users may receive bonus BluChips on activation or first spend
- Spend-linked rewards, such as additional points or fee waivers when you cross annual thresholds
3. Travel Comforts
- Complimentary airport lounge access at select airports (with caps or minimum spends on some variants)
- Priority check-in/boarding benefits for Elite variant cardholders
4. Flexibility
- Two tiers (Base + Elite) allow customers to pick between affordability and premium perks
- Annual fees are expected to vary accordingly (Elite version carrying a higher fee)
Who Should Consider It?
This card is designed for:
- Frequent IndiGo flyers – If most of your domestic trips are with IndiGo, BluChip earnings add up fast.
- Business travelers – Lounge access and bonus BluChips reduce travel friction.
- Everyday spenders with travel goals – Even groceries, fuel, and shopping funnel into future flight discounts.
IndiGo SBI Card Recap
| Feature | What It Offers |
|---|---|
| Rewards Rate | Up to 7% rewards on purchases. |
| Lounge Access | Complimentary or prioritized airport lounge access (on select card type or via spend criteria) |
| Bonus Miles / BluChips | Accelerated BluChip earning when booking directly through IndiGo channels |
| Co-branding Leverage | You get travel-centric benefits (flights, hotels) tied to your regular expenses, giving you more value per rupee spent |
| Variants | Base + Elite, allowing flexibility for lighter vs premium users |
Also Read: SBI Xpress Credit Personal Loan
What to Watch Out For
Every co-branded card has trade-offs. With IndiGo SBI Card, look out for:
- Annual/Renewal Fees
- The base version may be affordable, but the Elite variant could carry a significant yearly fee.
- Redemption Restrictions
- BluChips may only be redeemable via IndiGo’s booking system, with possible blackout dates or limited availability.
- Expiry of Rewards
- Check BluChip validity — inactivity could lead to forfeited points.
- Lounge Access Limits
- Access could be capped per quarter/year, or tied to minimum spends.
- Insurance Changes
- Some SBI Cards have recently cut complimentary insurance benefits; read the fine print to see what’s included here.
Application Process
- Check Eligibility
- Credit score and income requirements as per SBI’s norms.
- Apply Online
- Via the SBI Card website or IndiGo’s app/website.
- Activation
- On approval, activate via SBI net banking or mobile app.
- Link BluChip Account
- Ensure your IndiGo loyalty account is linked so rewards are credited automatically.
Also Read: Flipkart and SBI Card Launch New Co-branded Credit Card
Conclusion
The IndiGo SBI Credit Card is a strong offering in India’s travel card segment — but only if you fly IndiGo regularly. Its true value comes from integrating routine spending into IndiGo’s loyalty program, effectively lowering your travel costs.
For casual flyers or those who split travel across multiple airlines, a general travel rewards card or a cashback card may still offer better flexibility.