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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 travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for railway and irctc, featuring complimentary lounge access.
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| Feature | IndiGo SBI Card ELITE | SBI Card MILES ELITE | IRCTC SBI Platinum Card |
|---|---|---|---|
| Best for | indigo, flights, travel | travel, air miles, hotel points | railway, irctc, travel |
| Reward rates | 2% - Base reward rate upto 7% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption | 0.8% - Base reward rate upto 8% - accelerated reward rate |
| Annual fee | Rs 4,999 | Rs 4,999 | Rs 500 |
| Fee waiver spend | - | Rs 15 lakhs | - |
| Domestic lounge | 8 | 8 | 4 |
| International lounge | 6 | 6 | 0 |
| Forex markup | 1.99% | 1.99% | 3.5% |