Synopsis: In this paper, the writer compares five IndiGo credit cards to enable you to choose the best value depending on your travel needs, be it casual domestic travel or high-end international travel.
Axis Bank, SBI, and IDFC FIRST Bank all the three co-branding credit cards at IndiGo, which earn frequent flyers with the BluChips, which are redeemed in flight at approximately ₹1 each. The best option would be based on how often you travel, how much you spend a year and what extravagances you want, such as lounge access, the low forex rates etc.
1. Axis IndiGo
A low-level travel card that helps you stay simple and cheap.
- Joining fee: ₹799
- Annual fee: ₹799
- Welcome Benefit: Voucher worth 1,200 IndiGo BluChips.
- Earnings: 3 per cent on ₹100 spent on BluChips on IndiGo base fares, 2 per cent on groceries and eating, 1 per cent on other expenditures.
- Additional benefits: 1,200 BluChips on meeting the spend goals of ₹1.5 lakhs.
- Lounge: 1 Domestic lounge access on a spend of ₹50,000 per quarter.
- Best suited: To travellers making 4-6 trips with IndiGo every year who would like to receive a simple set of benefits.
2. Axis IndiGo Premium
A premium model designed to suit heavy and business passengers.
- Joining fee: ₹5,000
- Annual fee: ₹5,000
- Welcome Benefit: Voucher worth 5000 IndiGo BluChips, along with one complimentary 6E Eats voucher.
- Earnings: 7 per cent on ₹100 spent on BluChips of IndiGo booking, 3 per cent on groceries.
- Access to lounges: 2 domestic lounge access per quarter on a spend of ₹50,000 in the quarter and 2 international Lounge Priority Pass.
- Forex markup: 2.5%
- Milestone rewards: 5,000 BluChips on spend of ₹2lakhs.
- Additional: Travel insurance and Golf benefits.
- Best suited: Business travellers whose spending is above ₹10 lakh per annum.
3. SBI IndiGo
The least expensive structure constructed as a casual flyer at home.
- Joining fee: ₹1,499
- Annual fee: ₹1,499
- Welcome Benefit: Voucher worth 2,500 IndiGo BluChips and first transaction within 60 days of account opening.
- Earnings: 3 BluChips, which are earned on IndiGo on ₹100, 1-2 BluChips, which are earned on hotels and other expenditures.
- Milestone benefit: 2,500 BluChips upon ₹2 lakh spent.
- Access to lounge: 1 domestic lounge visit every quarter following ₹50,000 monthly expenditure.
- Co-pilot: Fuel surcharge waiver.
- Target market: Domestic leisure travellers who do not spend much money.
Also Read: Flat 5% on SBI Cashback vs Up to 7% on Axis Cashback – Which Credit Card Actually Saves You More?
4. SBI IndiGo Elite
Premium has good perks for the regular flyers.
- Joining fee: ₹4,999
- Annual fee: ₹4,999
- Welcome Benefit: Voucher worth 5000 IndiGo BluChips, along with one complimentary 6E Eats voucher for the first transaction within 60 days of account opening.
- Earnings: IndiGo spends more give 7 per cent on ₹100 spent above 2 per cent on regular purchases.
- Mileage rewards: 6,000 BluChips at ₹3 lakh spent.
- Lounge: 8 Domestic Airport Lounges in a year, 2 Per Quarter on spend of ₹1lakh
- +6 Complimentary International Lounge Access, 2 per quarter
- Add-ons: All-inclusive travel insurance.
- Best suited: Frequent flyers who want to have travel privileges on the global front.
5. IDFC FIRST IndiGo Dual
An exclusive card with high advantages, in luxury and overseas travel.
- Joining fee: ₹4,999
- Annual fee: ₹4,999 (waived on ₹1 lakh fixed deposit)
- Welcome Benefit: Voucher of 5000 IndiGo BluChips
- Earnings: To 22 BluChips on ₹100 on IndiGo (tiered), 3% on general spends.
- Forex markup: Ultra-low 1.49%
- Milestone rewards 25,000 BluChips on spending ₹12 lakh.
- Bonuses: UPI and pay-as-you-go.
- Best suited: International travellers and heavy spenders to get as many flight redemptions as possible.
Conclusion
Choose the Axis base to keep it easy, or SBI variants to have milestones and lounges, or IDFC FIRST to enjoy greater reward efficiency- always compare how much you spend with IndiGo to the fees to know you are getting the best deal. Add a BluChip account to your card so that you can make flight reservations and redemption easier.
Written By Jayanth R Pai
