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, a low 1.99% forex markup, and accelerated rewards on indigo flight spends.
Where value may drop
Fuel, rent, and wallet loads don't earn rewards.
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 | 4,200 |
| Hotel bookings | Rs 4,000 | 1,440 |
| Other spends | Rs 8,000 | 1,920 |
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
7 IndiGo BluChips / Rs 100 spent
Best for airport lounge access
14 complimentary lounge visits a year across domestic and international.
Best for international spends
A low 1.99% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns indigo bluchips you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| IndiGo flight spends | 7 IndiGo BluChips / Rs 100 spent |
| Hotel and lodging spends | 3 IndiGo BluChips / Rs 100 spent |
| Other eligible spends | 2 IndiGo BluChips / Rs 100 spent |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- 8 complimentary domestic airport lounge visits per calendar year (limited to 2 visits per quarter).
- Requires spends of Rs 1 lakh in the preceding calendar quarter to unlock access.
- 6 complimentary international airport lounge visits per calendar year (limited to 2 visits per quarter).
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
- 5,000 IndiGo BluChips welcome voucher
- Complimentary 6E Eats voucher
Renewal benefits
- 5,000 IndiGo BluChips renewal voucher
- Complimentary 6E Eats renewal voucher
Additional benefits
- 4 6E Prime passes on spending Rs 1 lakh within 90 days of account opening
- 4 flight cancellation covers per year, worth up to Rs 3,000 each
- 1% fuel surcharge waiver up to Rs 400 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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