Cards / SBI Card

Joining fee

₹4,999

Annual fee

₹4,999

Waiver spend

–

Forex markup

1.99%

Fee waiver

No spend-based waiver listed by the bank.

Recent changes

• 1 May 2026Worse for you

  Late payment charge becomes Rs 100 for dues of Rs 100 to 500 and Rs 500 for dues of Rs 500 to 1,000.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 7 BluChips per ₹100 on the IndiGo app and website
• 3 BluChips per ₹100 on hotels and travel
• 2 BluChips per ₹100 on other spends

No rewards on fuel, insurance, rent, utilities, wallet loads.

Airport lounges

• Domestic: 8 visits a year
• International: 6 visits a year

Max 2 visits a quarter each; domestic visits need ₹1 lakh spend in the previous quarter

Points

IndiGo BluChips, worth about ₹1 each on the usual redemption.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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