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SimplifyCards take: IndiGo SBI Card ELITE looks like the best fit. It stands out because milestone value adds about Rs 6,000 and joining and renewal benefits add about Rs 8,025 per year.
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% |