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IndiGo SBI Card ELITE

Fly More to Find More

Annual fee
₹4,999
Forex markup
Lounges (Dom/Intl)
8 / 6
Welcome benefit
₹5,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.75% travel · 1.75% dining · 1.75% base.

Net steady-state return
₹10,500 /year
1.75% effective · fee waived
Annual reward earned₹10,500
Welcome benefit (year 1)One-time₹5,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹4,999
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs AU Traverse Credit Card for NRIs

At ₹50,000/month with 15% travel and 10% dining.

Metric
IndiGo SBI Card ELITE
AU Traverse Credit Card for NRIs
Annual fee
₹4,999
₹4,999
Annual reward
₹10,500
₹3,000
Net /year (steady)
₹10,500
₹3,000
Forex markup
0.99%

Tools for IndiGo SBI Card ELITE holders

Frequently asked

Is the IndiGo SBI Card ELITE worth the ₹4,999 fee?

It depends on your spend. The IndiGo SBI Card ELITE earns 1.75% base reward and waives the annual fee at ₹1,00,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for IndiGo SBI Card ELITE?

SBI hasn't published a hard minimum income for IndiGo SBI Card ELITE. Approval depends on credit score, existing relationship, and employment type.

Verified todaylikelySource: www.sbicard.com

Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.