# IndiGo Credit Cards Compared: Axis, SBI, SBI ELITE and Kotak > IndiGo co-branded credit cards in India compared: BluChips per INR 100, welcome and milestone vouchers, fees from INR 799 to INR 4,999, and lounge rules for Axis, SBI and Kotak. - **Published**: 2026-10-31 - **Modified**: 2026-10-31 - **Category**: credit-cards - **URL**: https://www.tldr.money/articles/credit-cards/indigo-credit-cards-compared --- Our [best travel credit cards](/articles/credit-cards/best-travel-credit-cards-india) guide covers general travel cards. This page compares the **IndiGo co-branded credit cards** that earn IndiGo BluChips: from Axis Bank, SBI Card and Kotak Mahindra Bank. **Last updated: 31 October 2026.** Educational, not advice. IndiGo's loyalty programme and these cards changed a lot in 2025-26, so check each bank's latest terms before applying. Axis says its IndiGo Premium card's terms were updated from 28 August 2026. ## IndiGo credit cards at a glance | Feature | IndiGo Axis Bank | IndiGo SBI Card | IndiGo SBI Card ELITE | IndiGo Kotak | |---|---|---|---|---| | Annual fee | INR 799 | INR 1,499 + taxes | INR 4,999 + taxes | About INR 1,500 + taxes* | | Welcome | 1,200 BluChips voucher | 2,500 BluChips voucher | 5,000 BluChips voucher + 6E Eats voucher | 2,500 BluChips voucher | | Renewal | 1,200 BluChips voucher | 2,500 BluChips voucher | 5,000 BluChips voucher + 6E Eats voucher | Listed by Kotak | | IndiGo website and app | 3 per INR 100 | 3 per INR 100 | 7 per INR 100 | Up to 19 per INR 100† | | Other bonus categories | 2 per INR 100 on groceries and dining | 2 per INR 100 on hotels and travel | 3 per INR 100 on hotels and travel | 2 per INR 100 on dining and entertainment | | Other spends | 1 per INR 100 | Not listed | Not listed | 1 per INR 100 | | Milestones | 1,200 at INR 1.5 lakh and at INR 3 lakh | 2,500 at INR 2, 4 and 6 lakh | 6,000 at INR 3, 6, 9 and 12 lakh | Vouchers worth up to 7,500 | | Domestic lounges | 1 a quarter after INR 50,000 spend in the previous 3 months | 4 a year (1 a quarter) after INR 50,000 in the last quarter | 8 a year (2 a quarter) after INR 1 lakh in the last quarter | Not listed by Kotak | | International lounges | None | None | 6 a year (2 a quarter) | None | | Extras | -- | -- | 4 x 6E Prime passes on INR 1 lakh in 90 days; 4 flight cancellations a year up to INR 3,000 each | -- | *Kotak's fee is from third-party listings; check Kotak's fee page. †Kotak's "up to 19" includes BluChips from IndiGo's own loyalty tier, not just the card. Axis Bank also sells an **IndiGo Axis Bank Premium** card at INR 5,000 + GST. A lifetime-free RuPay offer on the base Axis card ran until 30 October 2026, so it has now ended. ## How much the vouchers are worth The vouchers are where most of the value is. Take the yearly maximum in BluChips: | Card | Fee | Welcome/renewal + all milestones | Spend needed | |---|---|---|---| | IndiGo Axis | INR 799 | 1,200 x 3 = 3,600 | INR 3 lakh | | IndiGo SBI | INR 1,499 | 2,500 x 4 = 10,000 | INR 6 lakh | | IndiGo SBI ELITE | INR 4,999 | 5,000 + 6,000 x 4 = 29,000 | INR 12 lakh | Card issuers and IndiGo don't publish a fixed rupee value for a BluChip, and what you get depends on the fare you redeem against. Whatever the value, the renewal voucher alone matters most for light users: the SBI card's 2,500 BluChips against a INR 1,499 fee, and the Axis card's 1,200 BluChips against INR 799. Remember that voucher BluChips **expire six months after issue**, so collect them only if you will fly IndiGo within that window. ## Who should get which - **IndiGo Axis:** you fly IndiGo once or twice a year and want the lowest fee. - **IndiGo SBI:** you fly IndiGo several times a year and spend INR 2-6 lakh on the card. - **IndiGo SBI ELITE:** you spend INR 6 lakh or more a year and want international lounges. - **IndiGo Kotak:** you already hold a high BluChip tier, which drives most of the "up to 19" rate. ## Who should skip them - **People who fly several airlines.** A general travel card such as [Axis Atlas](/credit-cards/axis-bank/atlas) keeps your options open. - **International travellers.** These cards are not built for low forex costs; Axis charges 3.5%. See [zero forex markup credit cards](/articles/credit-cards/best-zero-forex-credit-cards-india). ## Sources - Axis Bank, IndiGo Axis Bank Credit Card: https://www.axis.bank.in/cards/credit-card/indigo-axis-bank-credit-card - Axis Bank, press release on IndiGo co-branded cards: https://www.axis.bank.in/about-us/press-releases/unlock-more-with-every-swipe-axis-bank-and-indigo-unveil-co-branded-credit-cards-to-redefine-travel-and-lifestyle-experiences - SBI Card, IndiGo SBI Card: https://www.sbicard.com/en/personal/credit-cards/indigo-sbi-card.html - SBI Card, IndiGo SBI Card ELITE: https://www.sbicard.com/en/personal/credit-cards/indigo-sbi-card-elite.html - Kotak Mahindra Bank, IndiGo Kotak Credit Card features: https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/indigo-credit-card/features.html - Paisabazaar, IndiGo Kotak credit card fee: https://www.paisabazaar.com/kotak-mahindra-bank/kotak-indigo-credit-card/ - PickMyWork, IndiGo Axis Bank RuPay lifetime-free offer: https://www.pickmywork.com/indigo-axis-bank-credit-card-review-2026/ --- - [More credit-cards articles](https://www.tldr.money/articles/category/credit-cards) - [All articles](https://www.tldr.money/articles)