IndiGo SBI Card

Lounge access

• 4 complimentary Domestic Airport Lounge visits per year (1 per quarter), based on minimum eligible spend of ₹50,000 in the previous calendar quarter.
• Spend criteria waived for month/quarter of card issuance.
• Only for primary cardholders.
• No complimentary international lounge access on the base card.

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Forex markup

• 3.5% Foreign Currency Transaction Fee (IndiGo SBI Card base variant).
• Dynamic Currency Conversion Fee 3.5% on transactions >= ₹1,000 in Indian currency at international/overseas-registered merchants.

Verified · harvested from product page · 2026-08-05 · source

Charge

• Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum Finance Charge ₹25.
• Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
• Max cash withdrawal ₹15,000/day.
• Cash Payment fee ₹250.
• Payment Dishonor fee 2% of payment amount (min ₹500).
• Cheque Payment Fee ₹200.
• Late Payment: Nil up to ₹100.
• ₹100 (₹100-500).
• ₹500 (₹500-1,000).
• ₹750 (₹1,000-10,000).
• ₹950 (₹10,000-25,000).
• ₹1,100 (₹25,000-50,000).
• ₹1,300 (>₹50,000).
• Additional Late Payment Charge ₹100 on missing MAD for two consecutive cycles.
• Overlimit Fee 2.5% of overlimit amount (min ₹600).
• Card Replacement ₹100-₹250.
• Foreign Currency Transaction Fee 3.5%.
• Dynamic Currency Conversion Fee 3.5% (>=₹1,000).
• Rewards Redemption Fee ₹99.
• Processing Fee on Rent Payment transactions ₹199 (MCC 6513).
• Utility Payments Fee 1% if total >₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).
• Fee on Education Payments via third-party apps 1% (w.e.f. 1st Nov 2025).
• Fee on Wallet Load 1% on every wallet load exceeding ₹1,000 (w.e.f. 1st Nov 2025).
• Lounge usage fee up to USD 27 per visit for International Lounge Access Programs.

Verified · SBI Card – Most Important Terms & Conditions (MITC, common to all cards) · 2026-08-05 · source

Interest-free period

Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · harvested from product page · 2026-08-05 · source

Milestone benefit

• 2,500 IndiGo BluChips each on annual spends of ₹2 Lakh, ₹4 Lakh and ₹6 Lakh (up to 7,500 BluChips).
• Plus 2,500 IndiGo BluChips on realization of Renewal Fee.

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Redemption value

• 1 IndiGo BluChip = 1 Reward Point = INR 1 (when adjusted as statement debit).
• IndiGo BluChips can be redeemed only on airfare of flights marketed and operated by IndiGo.
• IndiGo BluChips do not expire until there is at least one earn or burn within a span of 2 years.
• Rewards Redemption Fee: ₹99 (applicable on physical products, statement credit and physically-sent vouchers).

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Reward cap

• Contactless payment allowed for a maximum of ₹5,000 for a single transaction without PIN.
• Maximum liability on any given date limited to available credit limit on card.

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Reward exclusion

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Transfer partner

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Transfer rule

• IndiGo BluChips accumulated on the IndiGo SBI Credit Card are transferred to your IndiGo BluChip account maintained at IndiGo Airlines on every statement cycle.
• All transfers are final and cannot be reversed or refunded.
• Flip in/flip out to other SBI cards is not permitted.

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Insurance

Complimentary fraud liability cover: up to ₹1,00,000 of financial loss due to fraudulent usage, covering misuse up to 3 days prior to first report and up to 7 days post reporting (insured by The Oriental Insurance Company Limited).

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source

Eligibility

• Active IndiGo BluChip membership account is a pre-requisite for issuance of the IndiGo SBI Credit Card and for transfer of accumulated IndiGo BluChips.
• Add-on cards can be issued for spouse, parents, siblings and children over 18 years of age.

Verified · IndiGo SBI Card – Terms & Conditions / E-Kit Booklet · 2026-08-05 · source