SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for indigo, flights, and travel.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on indigo flight spends, and milestone rewards.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many indigo bluchips you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
How you earn it
| Category | Monthly spend | Indigo Bluchips/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 1,800 |
| Hotel bookings | Rs 4,000 | 960 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for IndiGo Flight Spends
3 IndiGo BluChips / Rs 100 spent
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns indigo bluchips you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| IndiGo flight spends | 3 IndiGo BluChips / Rs 100 spent |
| Hotel and lodging spends | 2 IndiGo BluChips / Rs 100 spent |
| Other eligible spends | 1 IndiGo BluChip / Rs 100 spent |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 4 complimentary domestic airport lounge visits per calendar year (limited to 1 visit per quarter).
- Requires spends of Rs 50,000 in the preceding calendar quarter to unlock access.
Exclusions
Categories that earn no rewards on this card.
- fuel
- wallet loading
- rent
- education
- cash withdrawal
- cash advance
- fees and charges
- emi
- disputed transactions
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,500 IndiGo BluChips welcome voucher
Renewal benefits
- 2,500 IndiGo BluChips renewal voucher
Additional benefits
- 1% fuel surcharge waiver up to Rs 200 per month on eligible fuel spends from Rs 500 to Rs 4,000
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
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