SBI Card and IndiGo Launch Dual-Network Co-Branded Credit Cards: Complete Features and Benefits Explained

SBI Card, India’s second-largest credit card issuer, has partnered with the country’s leading airline, IndiGo, to introduce a new range of co-branded credit cards designed especially for frequent flyers. The newly launched IndiGo SBI Card and IndiGo SBI Card ELITE promise a host of travel-centric rewards, dual-network convenience, and exclusive benefits to enhance the flying experience.

Dual-Network Setup for Maximum Convenience

One of the biggest highlights of these cards is their dual-network structure. Cardholders receive two cards under a single account—one powered by RuPay and the other by Mastercard. This innovative setup allows seamless transactions both within India and abroad. While the Mastercard is ideal for international payments, the RuPay card enables UPI-based payments, making it easier to manage daily purchases and digital transactions in India.

IndiGo BlueChips: Earn and Redeem for Travel

A key attraction of these cards is the ability to earn IndiGo BlueChips, the airline’s reward currency.

• 7 BlueChips per ₹100 spent on IndiGo’s official website or mobile app.

• 3 BlueChips per ₹100 spent on hotel bookings and travel platforms outside IndiGo.

• A special milestone bonus of 25,000 BlueChips for annual spends of ₹12 lakh.

These BlueChips can be redeemed for flight tickets, seat upgrades, and in-flight meals, helping regular travelers save significantly. According to industry experts, the redemption value of BlueChips ranges from ₹0.40 to ₹0.60, with higher value when booking tickets in advance.

Joining Fees and Interest Rates

The IndiGo SBI Card comes with a joining fee of ₹1,499 (plus GST) and an annual renewal fee of ₹1,499. The premium IndiGo SBI Card ELITE is priced higher, with a joining and renewal fee of ₹4,999 (plus GST). Outstanding balances attract a monthly interest rate of 3.75%, equivalent to 45% annually.

To sweeten the deal, cardholders earn BlueChips equivalent to the joining fee—2,500 BlueChips for the standard card and 5,000 BlueChips for the ELITE variant—making the initial investment worthwhile.

Travel Insurance and Lounge Access

The cards are loaded with travel-friendly perks:

• Flight Cancellation Coverage: Up to ₹3,000 per ticket for a maximum of four flights annually.

• Baggage Loss Insurance: Compensation of up to ₹72,000 for checked baggage.

• Airport Lounge Access: Complimentary access to domestic lounges for a more comfortable waiting experience.

These benefits are particularly valuable during emergencies or unexpected travel disruptions, giving cardholders peace of mind.

Why Frequent Flyers Should Consider These Cards

With IndiGo operating the largest domestic flight network and SBI Card’s extensive customer base, these co-branded credit cards are designed to maximize travel rewards and convenience. From earning generous BlueChips to enjoying dual-network flexibility and lounge privileges, the IndiGo SBI Cards are an excellent choice for air travelers who value savings, comfort, and seamless payment options.

Whether you are a frequent business traveler or a leisure flyer, these cards offer a complete travel solution, making every journey more rewarding and hassle-free.