The SBI Card PRIME is a premium lifestyle and rewards credit card from SBI Card, designed to cater to upwardly mobile professionals and families who seek versatile benefits in travel, shopping, dining, and daily expenses.

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Overview

SBI Card PRIME stands out among mid-to-premium credit cards in India due to its powerful combination of milestone rewards, travel and lifestyle privileges, and a rewarding points program. Its value proposition is amplified for users who are able to maximize quarterly and annual spending benefits, particularly through milestone vouchers and lounge access programs.

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Features & Benefits

1. Welcome and Milestone Benefits

• Receive a welcome e-gift voucher worth ₹3,000 from top brands like Yatra, Aditya Birla Fashion, Pantaloons, Bata/Hush Puppies, or Shoppers Stop, redeemable online or at stores.
• Milestone Reward: Spend ₹5 lakh in a year and get an additional e-voucher worth ₹7,000 (options include Yatra/Pantaloons and others).
• Achieve ₹50,000 in a quarter and earn a Pizza Hut voucher worth ₹1,000.

2. Reward Points Structure

• Earn 20 reward points per ₹100 spent on your birthday (up to 2,000 points/year).
• Earn 10 points per ₹100 spent at dining, movies, grocery, and departmental stores.
• Earn 2 reward points per ₹100 spent on all other retail purchases.
• Accelerated earning on utility bill standing instructions—20 points per ₹100 (capped at 3,000 points per month).

3. Lounge Access Privileges

• 4 Complimentary international airport lounge visits per year (via Priority Pass, max 2/quarter).
• 8 Complimentary domestic airport lounge visits per year (max 2/quarter; available with Visa or Mastercard variants).

4. Premium Partnership Benefits

• Trident Hotels: Complimentary ‘Red Tier’ membership privileges with special discounts and bonus points.
• Club Vistara: Complimentary Silver Membership, offering 1 upgrade voucher and 9 CV Points per ₹100 spent on Vistara bookings.
• Golf privileges including complimentary green fee rounds (4/month) and one free golf lesson per month at select Indian golf courses.

5. Fuel Surcharge Waiver

• Get 1% waiver across all petrol pumps in India on transactions between ₹500 and ₹4,000 (maximum savings: ₹250/month).

6. Insurance Coverage IDFC FIRST Wealth Credit Card

• Air Accident Cover of ₹50 lakh.
• Fraud liability cover of ₹1 lakh reduces risk due to card loss or misuse post-reporting.

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Rewards Redemption

• Reward Points can be redeemed for a wide catalogue including flight/hotel bookings, merchandise, e-vouchers, and statement credit.
• ₹99 per redemption transaction is charged.
• Reward rates can reach between 0.5% to 5% on select spends, with higher value redemptions for travel and gift vouchers.

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Fees & Charges

Feature	Details
Joining Fee	₹2,999 + GST
Annual/Renewal Fee	₹2,999 + GST
Renewal Fee Waiver	Spend ₹3 lakh in a year
Add-on Card Fee	Nil
Finance Charges	3.75% per month (45% p.a.)
Foreign Currency Markup	3.5% of transaction value
Rewards Redemption Fee	₹99 per request
Cash Advance Fee	2.5% or ₹500 (Domestic/International)
Over-limit Fee	2.5% of over-limit amount (min ₹600)
Late Payment Fee	₹0–₹1,300 (tiered by due amount)

Renewal fee is waived if annual card spends exceed ₹3 lakh.

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Eligibility Criteria & Documentation

Eligibility

• Age: Salaried, 21–70 years; Self-employed, 25–70 years.
• Suggested minimum monthly income: ₹75,000 (higher for self-employed).
• Good credit score and stable income history required.

Documentation Required IDFC FIRST Classic Credit Card

• Identity Proof: Aadhaar Card, Passport, Driving Licence.
• Address Proof: Passport, Utility Bill, Ration Card, Voter ID.
• Income Proof: Recent salary slips, Form 16, or ITR copies.

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Value Proposition and Target Audience

SBI Card PRIME is ideal for:

• Professionals and business owners with moderate to high annual spends who can leverage the renewal fee waiver and milestone vouchers.
• Frequent travelers who value lounge access, golf privileges, and enhanced hotel/airline memberships.
• Families and individuals looking for a high-acceptance card with lifestyle and daily spending rewards.

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Comparison Table: SBI Card PRIME vs. Other Premium Cards

Feature	SBI Card PRIME	SBI Card ELITE	HDFC Regalia
Joining Fee	₹2,999 + GST	₹4,999 + GST	₹2,500 + GST
Lounge Access (Domestic)	8/year	8/year (Master/PP)	12/year
Lounge Access (International)	4/year (Priority Pass)	6/year (Priority Pass)	6/year (Priority Pass)
Milestone Vouchers	₹7,000 (₹5 lakh spends)	₹10,000 (₹8 lakh spends)	No vouchers
Birthday Reward Points	20 RP/₹100	10 RP/₹100	Standard RP
Club Memberships	Trident/Club Vistara	Club Vistara/Accor	Club Marriott, Diners
Fuel Waiver	1% up to ₹250/month	1% up to ₹250/month	1% up to ₹500/month
Renewal Fee Waiver	₹3 lakh spend	₹10 lakh spend	₹3 lakh spend

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Pros and Cons

Pros: YES BANK FinBooster Credit Card

• Substantial milestone and spend-based benefits.
• Versatile partnerships and lounge access.
• Wide reward acceptance and high redemption potential.

Cons:

• Annual fee is on the higher side if spends fall below waiver threshold.
• Forex markup could be lower for frequent international travel.

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Why you should choose the SBI PRIME Credit Card:

Strong Rewards Across Categories

• You earn accelerated reward points on dining, groceries, movies, department stores, and utility bill payments, making it valuable for everyday use and lifestyle expenses.
• The card offers special birthday rewards, providing 20 points for every ₹100 spent on your birthday, letting you maximize rewards during special occasions [1][2].

Premium Travel and Lifestyle Benefits

• Complimentary domestic and international airport lounge access (8 domestic, 4 international per year) for your travel comfort.
• Milestone-based e-vouchers—₹3,000 on joining, ₹7,000 annually on crossing spend milestones, and quarterly Pizza Hut vouchers—provide real, tangible value back for high spenders.
• Membership perks with brands like Trident Hotels and Club Vistara Silver offer travel upgrades and discounts.SBI Card ELITE

Annual Fee Waiver and Practical Savings

• Annual fee reversal on ₹3 lakh annual spends, which is achievable for many families and professionals.
• 1% fuel surcharge waiver (up to ₹250/month) and robust insurance coverage (₹50 lakh air accident, ₹1 lakh fraud liability) ensure practical savings and financial protection.

Flexible Redemption and Power add-ons

• Reward Points can be redeemed for cashback, air miles, vouchers, and merchandise. Redemption is easy and offers options for every kind of spender.
• Add-on cards enhance benefits for family members at no extra cost, and robust security features guard against fraud and card loss worldwide.

Conclusion

SBI Card PRIME delivers superior value to users who optimize milestone spends and extract full benefit from its travel, shopping, and lifestyle features. From welcome vouchers, accelerated rewards, lounge privileges, and insurance coverage to premium hotel and airline partnerships, this card is structured to provide a holistic experience to premium customers. If your annual spending lines up with waiver limits and you appreciate bundled lifestyle perks, SBI Card PRIME is a strong contender in the premium credit card segment in India.

The SBI Card Miles Elite is a premium travel credit card from SBI designed for frequent travelers with rewarding travel benefits and privileges. Here are the detailed features, benefits, and charges:

Key Features and Benefits

• Annual Fee: ₹4,999 + GST with fee reversal on spending ₹15 lakh annually.
• Welcome Benefit: 5,000 Travel Credits on spending ₹1 lakh within 60 days of card issuance.
• Reward Rate: Earn 3X Travel Credits on travel spends and 2X on other spends.
• Milestone Benefit: Earn 20,000 bonus Travel Credits on annual spends of ₹12 lakh, effectively increasing reward returns.
• Lounge Access:
• 8 complimentary domestic airport lounge visits annually (2 per quarter).
• Up to 15 additional domestic lounge visits per year based on every ₹1 lakh spent.
• 6 complimentary international airport lounge visits per year.
• Complimentary Priority Pass Membership: Available for primary cardholders for 2 years, providing access to global lounges.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹4,000, up to ₹500 per statement cycle.
• Travel Insurance: Complimentary Air Accident Liability Cover of ₹1 crore and credit card fraud liability cover of ₹1 lakh.
• Forex Markup Fee: Low rate of 1.99% + GST on foreign currency transactions.
• Additional Benefits: Includes movie tickets worth ₹6,000 annually, and access to exclusive offers like Swiggy One & MakeMyTrip Black Elite memberships.

Reward Mechanics

• Travel Credits can be converted 1:1 to airline miles or hotel points for a variety of partners.
• Milestone spend bonuses enhance effective rewards to approximately 4.7% on travel spends after benefit accruals.
• Domestic lounge visits add comfort with generous access linked to spends.

Charges and Fees

• Joining and yearly renewal fee of ₹4,999 + GST.
• Annual fee waiver if annual spend exceeds ₹15 lakh.
• Foreign Exchange Markup of 1.99%, which is among the lower fees in travel cards.

This card targets high-frequency travelers looking for maximum redemption possibilities and lounge access worldwide, blending rewards with travel-centric privileges and insurance protection.

SBI Card Miles Elite joining and renewal fee structure with waivers:

• Joining Fee: ₹4,999 + GST
• Annual Renewal Fee: ₹4,999 + GST

Fee Waivers:

• The annual renewal fee is waived if the cardholder spends ₹15 lakh or more in a year on the card.
• If the spending criteria are not met, the cardholder will have to pay the renewal fee again the next year.

This fee structure makes the card suitable for high spenders who can trigger the waiver by spending ₹15 lakh annually, effectively making it fee-free beyond that threshold.

The eligibility criteria and documentation required for the SBI Card Miles Elite

Eligibility

• Age: Generally, applicants must be between 21 to 60 years of age.
• Income: Minimum annual income requirement varies; typically, salaried individuals should have an income of at least ₹12 lakh per annum, while self-employed individuals may have higher criteria.
• Credit Score: A good to excellent credit score is usually required for approval.
• Employment: Stable employment or business income with proof may be needed.

Documentation

• Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
• Address Proof: Utility bills, passport, Aadhaar, or rental agreement.
• Income Proof: Latest salary slips (last 3 months), Form 16, bank statements for 6 months, or income tax returns for self-employed.
• Other Documents: Passport-sized photographs, and any additional documents as requested by SBI.

These requirements ensure that the card is issued to financially stable individuals with a good credit profile, matching its premium benefits and fees.

Reasons to Choose SBI Miles Elite

• High Travel Rewards: Earn 3X Travel Credits on travel spends and 2X on other spends, with milestone bonuses that boost effective rewards up to 4.7%, maximizing value for frequent travelers.SBI Card ELITE
• Comprehensive Lounge Access: Generous complimentary domestic and international airport lounge visits plus Priority Pass membership provide premium travel comfort.
• Travel-Centric Benefits: Includes fuel surcharge waiver, low forex markup fees, travel insurance coverage, and exclusive partner offers that enhance travel convenience and savings.Flipkart SBI Card
• Milestone Benefits: Earn bonus Travel Credits on high annual spends, rewarding big spenders with accelerated benefits.
• Flexible Redemption: Travel Credits convert 1:1 to multiple airline miles and hotel loyalty points, offering versatile redemption options.
• Insurance Protection: Includes up to ₹1 crore accident cover and fraud liability protection, adding peace of mind during travel.
• Fee Waivers: Annual fees waived on spending ₹15 lakh or more, making it cost-effective for high spenders.YES BANK FinBooster Credit Card

This card balances rewarding travel-focused benefits with premium services and protections, ideal for those who travel frequently and want maximum rewards and privileges.

Tata Neu Infinity SBI Card

The Tata Neu Infinity SBI Card is a premium co-branded credit card between SBI Card and Tata Neu, offering enhanced reward points, benefits, and travel perks primarily for shoppers within the Tata ecosystem and frequent travelers.

Key Features

• Contactless payment technology (Visa/RuPay contactless).
• Worldwide acceptance with EMV chip security.
• Credit facility with options like balance transfer, easy bill payments, and safety features.
• NeuCoins rewards program with up to 10% value back on Tata Neu spends.
• Fuel surcharge waiver of 1% on transactions between ₹400-₹5,000 (up to ₹250 per statement cycle).
• Complimentary domestic and international airport lounge access.
• Low foreign currency markup fee of 1.99%.

Rewards and Benefits

• Up to 10% rewards as NeuCoins on spending within Tata Neu ecosystem brands.
• Earn rewards on UPI transactions via Tata Neu app.
• Welcome benefits: NeuCoins on spending ₹1,000 within 30 days of card issuance.
• Annual fee waiver available on spending criteria (₹3 lakh per year).
• Additional travel-related benefits like lounge access and low forex charges.

Fees and Charges

Fee Type	Amount
Joining Fee	₹1,499 + applicable taxes
Annual Fee	₹1,499 + applicable taxes
Renewal Fee	₹1,499 + applicable taxes
Finance Charges	3.75% per month (approx. 45% p.a.)
Cash Advance Fees	2.5% or ₹500 (whichever is higher)
Late Payment Charges	₹0 to ₹1,300 depending on amount
Overlimit Fees	2.5% of overlimit or ₹600
Utility Payment Fee	1% if utility bill > ₹50,000
Rewards Redemption Fee	₹99
Foreign Currency Fee	1.99%

Who Should Consider This Card?

• Customers who frequently shop on Tata Neu and partner brands like Westside, BigBasket, Croma, Air India.
• Those who want premium travel and lifestyle benefits alongside co-branded rewards.
• Users interested in earning NeuCoins on UPI spends and Tata ecosystem transactions.
• People who can maintain the spending threshold for annual fee waiver.

This card blends attractive lifestyle rewards on Tata brand purchases with useful travel benefits, making it ideal for loyal Tata customers and frequent travelers seeking value-added credit card features

Before applying for the Tata Neu Infinity SBI Card, know these key points:

• Premium card with ₹1,499 annual and joining fees (waived on ₹3 lakh yearly spend).
• Best for frequent shoppers on Tata Neu and its partner brands.
• Offers up to 10% NeuCoins rewards and travel perks like lounge access.
• High finance charges and fees on late payments and cash advances.
• Requires good to excellent credit for approval.
• Ideal for users who can meet annual spending for fee waiver and want lifestyle plus travel benefits.

Keep these in mind to decide if it fits your spending habits and lifestyle

What’s good about the Tata Neu Infinity SBI Card:

• High rewards earning potential with up to 10% NeuCoins on Tata Neu ecosystem spends.
• Complimentary airport lounge access domestically and internationally.
• Low foreign currency markup fee (1.99%) beneficial for travelers.
• Fuel surcharge waiver up to ₹250 per month.
• Easy integration with Tata Neu app for seamless UPI payments and rewards.
• Annual fee waiver on ₹3 lakh yearly spend.

Overall, great for loyal Tata shoppers and frequent travelers seeking premium perks and rewards.

Here are the pros and cons of the Tata Neu Infinity SBI Card:

Pros	Cons
Up to 10% NeuCoins rewards on Tata Neu spends	₹1,499 annual and joining fee
Complimentary domestic and international lounge access	High finance charges (approx. 45% p.a.)
Low foreign currency markup fee (1.99%)	Annual fee waiver requires ₹3 lakh yearly spend
Fuel surcharge waiver up to ₹250 per month	Late payment and cash advance fees can be high
Seamless Tata Neu app integration for payments	Best value mainly for Tata ecosystem shoppers
Attractive travel and lifestyle benefits	Requires good credit for approval

This balanced view helps understand who benefits most from this premium co-branded card.

For the Tata Neu Infinity SBI Card, the eligibility criteria and required documentation are generally as follows:

Eligibility

• Age: Typically between 21 to 65 years.
• Income: Minimum annual income requirement varies but usually ₹6 lakhs or more.
• Credit Score: Good to excellent credit score (usually 750+).
• Employment: Salaried, self-employed professionals, or business owners with stable income.

Documentation

• Identity Proof: Aadhaar card, PAN card, Passport, Voter ID, or driving license.
• Address Proof: Utility bills, rent agreement, Aadhaar, passport, or bank statement.
• Income Proof: Latest salary slips for salaried individuals, Income tax returns or financial statements for self-employed.
• Photograph: Recent passport-sized photo.

These criteria ensure that applicants have strong creditworthiness and ability to maintain premium card benefits.

“SBI Card ELITE is a premium lifestyle and travel credit card offering exclusive benefits such as a welcome e-gift voucher worth Rs. 5,000, free movie tickets worth Rs. 6,000 annually, up to 50,000 bonus reward points per year, lowest foreign currency mark-up of 1.99%, complimentary lounge access, and milestone privileges on spending. Ideal for frequent travelers and lifestyle enthusiasts seeking rewarding experiences.”

Key Highlights 

• Welcome e-gift voucher worth Rs. 5,000 on joining
• Complimentary movie tickets worth Rs. 6,000 per year (2 tickets per month)
• Earn up to 50,000 bonus reward points annually (worth approx Rs. 12,500)
• Lowest foreign currency mark-up of 1.99% for international spends
• Fuel surcharge waiver up to Rs. 250 per statement cycle
• Complimentary domestic and international airport lounge access
• Personalized concierge services for travel and lifestyle needs
• Spend-linked milestone rewards for additional benefits
• No joining or add-on card fees; annual fee Rs. 4,999

These benefits make the card well-suited for frequent travelers and premium lifestyle users seeking rewards on dining, shopping, movies, and international spending.

The SBI Card ELITE Rewards Program and Milestone Benefits

Rewards Program:

• Earn 5 reward points for every Rs. 100 spent on retail purchases.
• Bonus reward points on specific categories like dining, groceries, and international spends.
• Up to 50,000 bonus reward points can be earned annually, which can be redeemed for a variety of lifestyle and travel vouchers.

Milestone Benefits:

• On reaching specific annual spending milestones, cardholders receive additional reward points or vouchers. For example, spending Rs. 3 lakh, Rs. 5 lakh, and Rs. 10 lakh in a year triggers milestone rewards.
• Milestone rewards include gift vouchers from popular brands, movie ticket vouchers, or additional reward points enhancing the overall reward potential.

This structure rewards both frequent spenders and big spenders with attractive benefits to maximize value from the card.

The fees and charges for the SBI Card ELITE

• Joining Fee: Rs. 4,999 + applicable taxes.
• Annual Renewal Fee: Rs. 4,999 + applicable taxes (charged from the second year onwards).
• Add-on Card Fee: Nil.
• Cash Withdrawal Fee: 2.50% of the withdrawn amount.
• Foreign Transaction Fee: Low foreign currency mark-up of 1.99%.
• Fuel Surcharge Waiver: 1% waiver up to Rs. 250 per statement cycle.
• Card Replacement Fee: Rs. 100.
• Finance Charges: Approximately 42% per annum.
• Minimum Repayment Amount: 5% of the outstanding balance.
• Cash Advance Limit: Up to 80% of the credit limit.

The renewal fee gets waived if the cardholder spends Rs. 10 lakh or more in the preceding year. The card offers significant value through its benefits that can offset the fees for frequent and premium users.

Before applying for the SBI Card ELITE, here are key things to know:

• Eligibility: Generally requires a good to excellent credit score and a steady income source; specific income criteria apply depending on the applicant profile.
• Annual Fee: Rs. 4,999 plus taxes, with the possibility of waiver on spending Rs. 10 lakh or more annually.
• Reward Redemption: Reward points have various redemption options but check for expiry and terms.
• Usage: Best suited for individuals with premium lifestyle and travel needs due to fee structure and benefit profile.
• Fees & Charges: Be aware of finance charges, foreign transaction fees, and annual renewal fees.
• Lounge Access: Complimentary lounge access is valuable but usage limits and terms apply.
• Milestone Benefits: Milestone rewards depend on meeting annual spending targets.
• Joining Process: Online application is available with document submission and verification.
• Credit Limit: Determined based on income, credit profile, and other underwriting criteria.

Applicants should assess their spending patterns and benefit usage to ensure the card meets their lifestyle and financial goals before applying.

The eligibility criteria for SBI Card ELITE are:

• Age:
• Salaried applicants: 21 to 70 years.
• Self-employed: 25 years and above.
• Retired pensioners: 40 years and above.
• Citizenship: Must be an Indian citizen.
• Income:
• Salaried: Minimum monthly income of around Rs. 60,000.
• Self-employed: Minimum annual Income Tax Return (ITR) of Rs. 7.2 lakhs or above.
• Credit Score: Good creditworthiness and credit score are required.
• Documents: PAN card, Aadhaar or other government-approved photo ID, income proof (salary slips, Form 16, or ITR and bank statements for self-employed).

This card is best suited for individuals with stable income, good credit history, and premium lifestyle/spending needs.

The SBI Card ELITE stands out for several reasons:

• Comprehensive Lifestyle Benefits: It offers valuable welcome vouchers, complimentary movie tickets, and exclusive lifestyle privileges that enhance the user experience from the start.
• Strong Rewards Program: The card provides attractive reward points, including generous milestone bonuses for high spenders, maximizing value on everyday and premium purchases.
• Travel-Friendly Features: Low foreign currency mark-up, complimentary domestic and international lounge access, and concierge services make it ideal for frequent travelers.
• Premium Security and Convenience: Contactless payments, fraud monitoring, and personalized concierge ensure both security and ease of use.
• Flexible Fee Waivers: The annual fee can be waived with high annual spending, making it cost-effective for active users.
• No add-on card fees and fuel surcharge waiver add to its overall value offering.

Pros and Cons

Pros	Cons
Generous welcome benefits including vouchers and movie tickets	High annual fee of Rs. 4,999 plus taxes
Attractive rewards program with milestone bonuses	Annual fee waiver requires high annual spend (Rs. 10 lakh)
Complimentary domestic and international lounge access	Eligibility criteria may exclude lower-income individuals
Low foreign currency mark-up fee (1.99%)	Limited fuel surcharge waiver (up to Rs. 250 per statement)
No joining fee on add-on cards	Rewards redemption options may have restrictions
Personalized concierge and premium lifestyle privileges	Primarily suited for premium users, less value for low spenders
Contactless payment for convenience and security	Cash withdrawal fees and finance charges on cash advances

Overall, the card offers excellent value for frequent travelers and premium lifestyle users willing to invest in fees for superior benefits. Lower spenders or occasional users may find better value in lower-fee cards.

Conclusion

The SBI Card ELITE is a premium lifestyle credit card ideal for frequent travelers and high spenders. It offers attractive welcome benefits like Rs. 5,000 worth of e-gift vouchers and complimentary movie tickets valued at Rs. 6,000 annually. The card features a solid rewards program with milestone bonuses, low foreign currency mark-up, and complimentary domestic and international lounge access.While it carries a relatively high annual fee of Rs. 4,999, the benefits can outweigh the cost for active users who maximize rewards and perks. It is best suited for individuals with a stable income meeting the eligibility criteria and who spend significantly across travel, dining, and shopping categories. For moderate users or those with lower spends, the high fee may limit value.

IndiGo SBI Card Full Review,Rewards, Lounge Access, and Hidden Charges

“IndiGo SBI Card is a co-branded travel credit card by SBI Card and IndiGo under the BluChip loyalty program. Earn up to 3X BluChips on IndiGo spends, 2X on hotels & travel, and 1X on other purchases. Enjoy 2,500 BluChips as a welcome gift, milestone rewards up to 10,000 BluChips yearly, and 4 complimentary domestic lounge visits. Ideal for frequent flyers seeking seamless travel savings and exclusive IndiGo privileges.”

Key highlights of the IndiGo SBI Card (2025)

• Annual Fee: ₹1,499 + taxes (renewal fee same as joining fee)
• Welcome Benefit: 2,500 IndiGo BluChips on first transaction within 60 days
• Base Rewards: 1 BluChip per ₹100 spent on all other purchases
• Accelerated Rewards: 3 BluChips per ₹100 on IndiGo spends and 2 BluChips per ₹100 on hotels, lodging, and select travel spends
• Milestone Benefit: Up to 10,000 bonus BluChips yearly on meeting spend milestones (₹2L, ₹4L, ₹6L)
• Lounge Access: 4 complimentary domestic airport lounge visits per year (1 per quarter) after ₹50,000 quarterly spend
• Renewal Benefit: 2,500 BluChips on annual renewal
• Reward Redemption: BluChips redeemable on IndiGo app/website for flights, meals, upgrades & travel services
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500–₹4,000
• Finance Charges: 3.75% per month (45% annually)
• Target Users: Best suited for frequent domestic flyers and IndiGo loyal travellers

It provides strong travel value with low joining cost and consistent IndiGo rewards, making it ideal for regular air travellers seeking smooth travel and airport lounge comfort.

IndiGo SBI Card Rewards and Benefits on table

Category	Rewards / Benefits	Details
Joining Fee	₹1,499 + Taxes	One-time fee for new members
Annual Renewal Fee	₹1,499 + Taxes	Waived off on achieving high annual spends
Welcome Benefit	2,500 IndiGo BluChips	On 1st transaction within 60 days
Renewal Benefit	2,500 IndiGo BluChips	On annual renewal fee payment
Base Rewards	1 BluChip per ₹100	On all other spends
Accelerated Rewards	3 BluChips per ₹100	On IndiGo app or website spends
	2 BluChips per ₹100	On hotels, lodging, and travel spends at other platforms
Milestone Rewards	Up to 10,000 BluChips yearly	Based on annual spends of ₹2L–₹6L
Lounge Access	4 Domestic visits/year	1 per quarter on ₹50,000 quarterly spends
Reward Redemption	BluChips redeemable	For IndiGo flights, meals, seat upgrades & vouchers
Fuel Surcharge Waiver	1% waiver	On transactions between ₹500–₹4,000
Finance Charges	3.75% p.m. (45% p.a.)	Standard SBI Card finance rate
Best For	Frequent IndiGo travellers	Ideal for regular domestic flyers

The IndiGo SBI Card stands out for its BluChip-based rewards structure, consistent milestone bonuses, and lounge privileges.

IndiGo SBI Card: Fees & Charges

Fee Type	Amount / Rate	Description
Joining Fee	₹1,499 + GST	One-time at card issuance
Renewal Fee	₹1,499 + GST	Charged annually from 2nd year onwards
Add-on Card Fee	Nil	No annual/add-on fee for supplementary cards
Finance Charges	3.75% per month (45% per annum)	Applied on unpaid balances
Cash Advance Fee	2.5% of transaction (min ₹500)	Applicable on domestic & international ATMs
Late Payment Fee	₹0–₹1,300 depending on bill amount	Scales with outstanding dues (₹0–₹50,000+)
Card Replacement Fee	₹100–₹250	For reissued cards, ₹1,500 for premium cards
Cash Payment Fee	₹250 per payment	Charged for over-the-counter cash payments
Cheque Payment Fee	₹200 per payment	For manual cheque payments
Payment Dishonour Fee	2% of payment (min ₹500)	On bounced or failed payments
Fuel Surcharge Waiver	1% waiver	For fuel transactions ₹500–₹4,000
Foreign Currency Mark-up	3.5%	On international transactions
Education Payment Fee (from Nov 2025)	1% of transaction	For education-related payments via CRED, Cheq, etc.
Wallet Load Fee (from Nov 2025)	1% of transaction (above ₹1,000)	For wallet top-ups via select third-party platforms

The new SBI Card fee policy (effective November 1, 2025) introduces extra charges on wallet loads and education payments made via third-party apps, while transactions made directly with institutions remain free of surcharge.

Things to Know Before you apply

in short

Key points to know before applying for the IndiGo SBI Card :

• Joining and renewal fee of ₹1,499 + taxes applies.
• Best suited for frequent IndiGo flyers and travel spenders.
• Earn BluChips rewards on IndiGo spends and other travel bookings.
• 4 complimentary domestic lounge visits annually with minimum quarterly spends.
• Finance charges apply at 3.75% monthly on unpaid dues.
• Reward points (BluChips) redeemable for IndiGo flights, upgrades, and services.
• Fuel surcharge waiver of 1% on select fuel transactions.
• New fees on wallet loads and education payments apply from Nov 2025.
• Check eligibility criteria and ensure travel frequency covers annual fees.

Understanding these factors will help you gauge if this co-branded card fits your travel and spending habits before applying.

Pros and Cons of the IndiGo SBI Card :

Pros

• High rewards on IndiGo spends with up to 3 BluChips per ₹100 spent.
• Bonus BluChips on milestone spends up to 10,000 BluChips annually.
• 4 complimentary domestic airport lounge visits per year.
• Welcome and renewal benefits with 2,500 BluChips each.
• Fuel surcharge waiver on transactions between ₹500–₹4,000.
• No add-on card annual fee.
• BluChips redeemable for flight bookings, upgrades, and services on IndiGo.

Cons

• Annual fee of ₹1,499 + Taxes applicable, can be high for occasional flyers.
• Finance charges are steep (3.75% per month) if payments are delayed.
• Limited benefits primarily for IndiGo travelers—less value for others.
• New fees on wallet loads and education payments from November 2025.
• Lounge access requires quarterly spends of ₹50,000 to qualify.
• Foreign currency mark-up of 3.5% applies to international spends.

This card is ideal for frequent domestic flyers loyal to IndiGo but less beneficial for infrequent travelers or those seeking broader reward options.

Conclusion

The IndiGo SBI Card is a well-suited travel credit card for frequent IndiGo flyers, offering accelerated rewards through BluChips on IndiGo bookings and select travel expenses. It provides useful perks like lounge access, welcome and renewal bonuses, and milestone rewards that add up to significant savings for regular users. However, it carries an annual fee and relatively high finance charges, and its benefits are limited primarily to IndiGo-related spends and travel. Overall, it is a solid choice for frequent domestic flyers loyal to IndiGo who want to maximize their travel rewards and conveniences.

The IDFC FIRST Bank Ashva Credit Card is a premium metal credit card crafted for individuals who value luxury, travel, and Indian heritage. It combines travel privileges, lifestyle perks, and strong reward benefits with a design inspired by elegance and tradition.

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Key Highlights

• Card Type: Metal, Visa Infinite
• Joining Fee: ₹2,999 + GST
• Annual Fee: ₹2,999 + GST (no waiver)
• Best Suited For: Frequent travelers and lifestyle spenders

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Features and Benefits

Category	Description
Rewards Program	10X Reward Points per ₹150 spent on incremental spends above ₹20,000 per cycle; 5X on spends up to ₹20,000; 3X on rent, wallet load, education, and government transactions; 1 RP = ₹0.25 when redeemed
Welcome Benefits	2,500 Reward Points on paying joining fee, 2,500 Points each on spends of ₹20,000 in 2nd and 3rd statement cycle (Total value up to ₹3,000)
Travel Perks	4 complimentary domestic lounge or spa visits and 2 international lounge visits per quarter
Golf Privileges	2 free golf rounds or lessons on monthly spends of ₹20,000
Movie Benefits	Buy 1 Get 1 Free movie ticket twice a month via District by Zomato (max ₹400 per ticket)
Forex Markup	Only 1% on international transactions (much lower than average 3%)
Fuel Surcharge Waiver	1% waiver capped at ₹300 per statement
Insurance Benefits	Complimentary travel, accident, and purchase protection insurance along with trip cancellation protection worth ₹50,000 twice a year
Design Theme	Inspired by India’s regal horse (“Ashva”), symbolizing speed, pride, and power — blending heritage with modern craftsmanship

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Pros and Cons

Pros	Cons
Rare metal card at an affordable fee	Requires ₹20,000+ monthly spend to unlock 10X rewards and lounges
Extensive travel and lifestyle benefits	No annual fee waiver feature
Low forex markup (1%) and global airport access	Limited reward redemption value (₹0.25/RP)

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Ideal For

The IDFC FIRST Bank Ashva Credit Card is ideal for affluent urban professionals, frequent flyers, or premium lifestyle users seeking travel luxury, a distinctive metal design, and steady rewards at moderate spending levels

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In short, the Ashva Credit Card stands out as a symbol of Indian heritage combined with modern luxury, offering exclusive travel experiences, entertainment privileges, and powerful financial benefits wrapped in a sleek metal design.

Rewards & Travel Benefits

The IDFC FIRST Bank Ashva Credit Card stands out through its reward-rich program and extensive travel privileges, positioning it as one of the most travel-friendly metal cards in India. It blends consistent rewards, accelerated earnings, and elite airport access to suit premium travelers.

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Rewards Structure

Spend Category	Reward Points per ₹150	Notes
Up to ₹20,000 per month	5 Points	Base rewards
Above ₹20,000 per month	10 Points	10X rewards on incremental monthly spends
Rent, Education, Wallet Load, Government	3 Points	Reduced rate; still eligible for rewards
Insurance, Utilities	1 Point	Minimal earn rate
Fuel, EMI, Fees, Cash withdrawal	0 Points	Not eligible for rewards
Accelerated Rewards	Up to 60 Points per ₹150	50X bonus on hotels, 30X on flights booked via IDFC FIRST app
Redemption Value	1 RP = ₹0.40 (travel), ₹0.25 (others)	Travel bookings through IDFC FIRST mobile app offer higher value

Key Points:

• Reward points never expire as long as the card remains active.
• Eligible for bonus points up to 15,000/month on travel bookings made through IDFC FIRST Bank mobile app.
• Birthday Spends earn 10X reward points automatically.

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Travel Benefits

Benefit	Description
Airport Lounge Access	4 complimentary domestic lounge or spa visits + 2 international lounge visits per quarter on spending ₹20,000 in the previous month
Railway Lounge Access	4 complimentary visits per quarter for added comfort during train journeys
Golf Privileges	2 complimentary golf rounds or lessons monthly, unlocked on ₹20,000+ spend
Trip Cancellation Insurance	Reimbursement up to ₹25,000 for non-refundable bookings
Hotel and Airport Privileges	Discounts on airport transfers in 3,000+ cities and access to 900+ luxury hotels globally
Concierge Services	Dedicated Visa Infinite concierge for dining, staycations, flights, and experiences
Forex Markup	Only 1% on international transactions, among the lowest in premium card range

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Summary of Benefits

The Ashva Credit Card delivers enhanced value for travelers, especially those spending above ₹20,000 monthly. With 10X rewards on high spends, accelerated returns on hotel and flight bookings, and elite global access privileges, it rivals high-tier cards at an affordable ₹2,999 annual fee.AU Bank SPONT Credit Card

This makes it a perfect fit for frequent flyers and lifestyle enthusiasts seeking premium travel comfort and consistent value returns from everyday expenses.

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Other Features & Benefits

• Metal Design: Premium 12g metal card inspired by the power of the horse “Ashva,” symbolizing pride and speed .
• Welcome Benefits: 2,500 Reward Points on joining + extra 5,000 Points on early spends (worth up to ₹3,000).
• Concierge Service: 24×7 Visa Infinite concierge for global assistance, bookings, and reservations .
• Movie Offer: Buy 1 Get 1 Free movie ticket twice a month via District by Zomato (₹400 max/ticket).
• Golf Privilege: 2 complimentary golf rounds or lessons every month on ₹20,000 spend.
• Fuel Surcharge Waiver: 1% waiver up to ₹400 per statement.
• Insurance Protection: ₹1 crore air accident cover, ₹10 lakh personal accident cover, ₹50,000 lost card liability, trip cancellation up to ₹25,000
• Forex Markup: Only 1% on international spends, ideal for frequent travelers.
• Lounge Access: 4 domestic & 2 international lounge visits each quarter.
• Reward Validity: Points never expire as long as the card is active.

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In essence: Ashva is a premium lifestyle metal card blending luxury, insurance, global access, and consistent rewards, ideal for professionals spending ₹20,000+ monthly.

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Things to Know Before You Apply

• Joining Fee: ₹2,999 + GST (mandatory upfront payment after approval)
• Annual Fee: ₹2,999 + GST (no spend-based waiver)
• Eligibility:
• Age: 21–65 years
• Income: ₹12 lakh per annum or higher
• Occupation: Salaried or self-employed
• Card Type: Metal, Visa Infinite variant
• Minimum Spend Requirement: ₹20,000/month to unlock 10X Rewards, lounges, and golf benefits
• Reward Expiry: Never expires while card remains active
• Welcome Offer: Earn up to 7,500 points worth ₹3,000 on early spends
• Interest Rate: Up to 46.2% annually; standard late fee and cash advance charges apply.
• Cash Withdrawals: Allowed with a flat fee of ₹199 per transaction.
• No Annual Fee Waiver: Cardholders must pay the fee every year regardless of usage.

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The AU Bank SPONT Credit Card is an entry-level RuPay credit card designed for everyday transactions, especially UPI payments, providing a simple and rewarding experience. It offers 1% cashback on all transactions (including UPI, online, POS, and contactless) with a monthly cashback cap of ₹500. The card also rewards users with special Coins for UPI transactions via the AU 0101 app—5 coins per transaction and a bonus 500 coins on the first transaction that never expire and can be redeemed in the AU Rewardz catalog.

Key highlights of the AU Bank SPONT Credit Card

1. Earn 1% cashback on all transactions including UPI payments, capped at ₹500 per month.
2. Receive never-expiring Coins for every UPI transaction via the AU 0101 app, redeemable for rewards.
3. Enjoy up to 8 complimentary lounge visits annually—4 domestic airport visits with quarterly spend and 4 railway lounge visits for primary and add-on cards.
4. Benefit from a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000.
5. Low joining and annual fees around ₹299-₹500, with zero liability fraud protection and app-based digital management.

These make it a cost-effective, rewarding card ideal for everyday digital transactions and travel comfort.

Summarizing the rewards and benefits of the AU Bank SPONT Credit Card

Rewards & Benefits	Details
Cashback	1% cashback on all transactions, including UPI, online, POS, and contactless, capped at ₹500/month
Reward Coins	Earn 5 coins per UPI transaction via AU 0101 app, plus 500 bonus coins on the first transaction; coins never expire and can be redeemed for rewards
Lounge Access	2 free domestic airport lounge visits per quarter on spending ₹30,000 quarterly; 2 free railway lounge visits per quarter for primary and add-on cardholders
Fuel Surcharge Waiver	1% waiver on fuel transactions between ₹400 and ₹5,000
Fraud Protection	Zero liability on fraudulent transactions
Card Format	Available as physical and virtual cards
Management	Managed via AU 0101 app for cashback tracking, coin redemption, and secure payments

This table highlights the key rewards and benefits that make the AU SPONT Credit Card an appealing option for everyday spending and travel perks.

Fees and Charges

Fees and Charges	Details
Joining Fee	₹299 to ₹500 (approximate, varies as per offer)
Annual Renewal Fee	₹299 to ₹500 (approximate)
Fuel Surcharge	1% waiver on fuel transactions between ₹400 and ₹5,000
Late Payment Charges	As per standard banking norms
Interest Rates	Standard interest rates applicable on outstanding dues
Fraud Liability	Zero liability on fraudulent transactions
Card Replacement Fee	May apply as per bank policy

Eligibility Criteria

• Age: Applicant should be at least 21 years old.
• Residency: Must be an Indian resident.
• Income: Minimum monthly income requirement is around ₹10,000.
• Credit History: A clean credit record is generally preferred but may vary.

Required Documentation

• Proof of Identity: Aadhar card, PAN card, Passport, Voter ID, or Driving License.
• Proof of Address: Utility bills, rent agreement, passport, or Aadhar card.
• Income Proof: Recent salary slips, bank statements, or Income Tax Returns.
• Photograph: Passport-sized photographs.
• Other Documents: Any additional documents as requested by the bank during verification.

The application can be done through the AU 0101 app or at bank branches, where the submitted documents are verified to approve the card.

This simple eligibility and documentation process is designed to make the AU SPONT Credit Card accessible to a wide range of users.

Who Should Consider AU SPONT Credit Card?

Individuals looking for a cashback credit card with minimal fees.Frequent UPI users aiming to maximize rewards.Travelers who can benefit from free airport and railway lounges.New credit card applicants needing an affordable entry point.Digital payment enthusiasts seeking app-based control and rewards.

Conclusion

The AU Bank SPONT Credit Card is a lightweight yet powerful financial tool tailored to the needs of everyday Indian consumers. It brings together cashback rewards, travel benefits, and digital conveniences into a credit card that is both affordable and rewarding. Whether you are a beginner in credit or a seasoned transaction expert, this card offers value that is hard to overlook.