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Matching your question with relevant cards and trade-offs.
Grounded in verified card data — exact cards, ranked matches, comparisons, and an honest no-result when we cannot confirm.
Ranked by how well they match the query, not by commission.
SimplifyCards take: Top 5 picks for this query.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for premium and travel, featuring low 2% forex markup and unlimited airport lounge access.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
| Feature | IndiGo SBI Card ELITE | SBI Card MILES ELITE | White Reserve Credit Card |
|---|---|---|---|
| Best for | indigo, flights, travel | travel, air miles, hotel points | premium, travel, lounge |
| Reward rates | 2% - Base reward rate upto 7% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption | 0% - Base reward rate |
| Annual fee | Rs 4,999 | Rs 4,999 | Rs 12,500 |
| Fee waiver spend | - | Rs 15 lakhs | Rs 10 lakhs |
| Domestic lounge | 8 | 8 | Unlimited |
| International lounge | 6 | 6 | Unlimited |
| Forex markup | 1.99% | 1.99% | 2% |