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SimplifyCards take: IndiGo SBI Card ELITE looks like the best fit. It stands out because needs high spend of Rs 2.5L+/month to shine and milestone value adds about Rs 12,000.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for singapore airlines and international travel, featuring complimentary lounge access.
Optimized for travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
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| Feature | IndiGo SBI Card ELITE | KrisFlyer SBI Card Apex | SBI Card MILES ELITE |
|---|---|---|---|
| Best for | indigo, flights, travel | singapore airlines, international travel, travel | travel, air miles, hotel points |
| Reward rates | 2% - Base reward rate upto 7% - accelerated reward rate | 2.4% - Base reward rate upto 4% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 4,999 | Rs 9,999 | Rs 4,999 |
| Fee waiver spend | - | - | Rs 15 lakhs |
| Domestic lounge | 8 | 8 | 8 |
| International lounge | 6 | 8 | 6 |
| Forex markup | 1.99% | 3.5% | 1.99% |