IndiGo Axis Bank Premium Credit Card vs IndiGo SBI Card (2026)
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 1.0% at ₹5,000/yr against 0.5% at ₹1,499/yr.
Head to head
| IndiGo Axis Bank Premium Credit Card | Metric | IndiGo SBI Card |
|---|---|---|
| #51 — wins this row | Our rank | #59 |
| ₹5,000/yr | Fee — joining · annual (+ GST) | ₹1,499/yr — wins this row |
| None | Fee waiver | None |
| 2.5% + GST — wins this row | Forex markup | 3.5% + GST |
| not published | APR | not published |
| 1.0% — wins this row | Headline earn rate | 0.5% |
| IndiGo BluChip | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| 5,000 IndiGo BluChips + a 6E Eats voucher on fee payment — still doubled to 10,000 BluChips for anyone applying through 31 Aug 2026; the 5,000 BluChips repeat on every renewal | Welcome benefit | 2,500 IndiGo BluChips voucher after the annual fee is paid AND a first transaction inside 60 days of account opening; 2,500 BluChips again on every renewal, on fee payment alone |
| 731 of 789 — wins this row | Lounge doors opened | 75 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndiGo Axis Bank Premium Credit Card and IndiGo SBI Card are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IndiGo Axis Bank Premium Credit Card out-earns IndiGo SBI Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
IndiGo Axis Bank Premium Credit Card leads at all 20 steps, but not by the same amount: ₹1,039 at ₹0.25L a month, ₹44,799 at ₹5L — the gap fans out with spend, widest at ₹5L (₹44,799).
IndiGo Axis Bank Premium Credit Card draws above the line, IndiGo SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo Axis Bank Premium Credit Card | IndiGo SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹3,900 | ₹2,861 | IndiGo Axis Bank Premium Credit Card by ₹1,039 |
| ₹0.5L | ₹10,300 | ₹7,221 | IndiGo Axis Bank Premium Credit Card by ₹3,079 |
| ₹0.75L | ₹16,700 | ₹9,081 | IndiGo Axis Bank Premium Credit Card by ₹7,619 |
| ₹1L | ₹23,100 | ₹10,941 | IndiGo Axis Bank Premium Credit Card by ₹12,159 |
| ₹1.25L | ₹27,000 | ₹12,801 | IndiGo Axis Bank Premium Credit Card by ₹14,199 |
| ₹1.5L | ₹30,900 | ₹14,661 | IndiGo Axis Bank Premium Credit Card by ₹16,239 |
| ₹1.75L | ₹34,800 | ₹16,521 | IndiGo Axis Bank Premium Credit Card by ₹18,279 |
| ₹2L | ₹38,700 | ₹18,381 | IndiGo Axis Bank Premium Credit Card by ₹20,319 |
| ₹2.25L | ₹42,600 | ₹20,241 | IndiGo Axis Bank Premium Credit Card by ₹22,359 |
| ₹2.5L | ₹46,500 | ₹22,101 | IndiGo Axis Bank Premium Credit Card by ₹24,399 |
| ₹2.75L | ₹50,400 | ₹23,961 | IndiGo Axis Bank Premium Credit Card by ₹26,439 |
| ₹3L | ₹54,300 | ₹25,821 | IndiGo Axis Bank Premium Credit Card by ₹28,479 |
| ₹3.25L | ₹58,200 | ₹27,681 | IndiGo Axis Bank Premium Credit Card by ₹30,519 |
| ₹3.5L | ₹62,100 | ₹29,541 | IndiGo Axis Bank Premium Credit Card by ₹32,559 |
| ₹3.75L | ₹66,000 | ₹31,401 | IndiGo Axis Bank Premium Credit Card by ₹34,599 |
| ₹4L | ₹69,900 | ₹33,261 | IndiGo Axis Bank Premium Credit Card by ₹36,639 |
| ₹4.25L | ₹73,800 | ₹35,121 | IndiGo Axis Bank Premium Credit Card by ₹38,679 |
| ₹4.5L | ₹77,700 | ₹36,981 | IndiGo Axis Bank Premium Credit Card by ₹40,719 |
| ₹4.75L | ₹81,600 | ₹38,841 | IndiGo Axis Bank Premium Credit Card by ₹42,759 |
| ₹5L | ₹85,500 | ₹40,701 | IndiGo Axis Bank Premium Credit Card by ₹44,799 |
Transfer reach
Both cards earn IndiGo BluChip, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
IndiGo Axis Bank Premium Credit Card · 4 more →
- ₹5,000 fee with no spend waiver — you buy it back only with heavy IndiGo spend
- 1% general earn once you leave IndiGo channels
- 2.5% forex markup — better than the ₹799 sibling but still not a travel card's number
IndiGo SBI Card · 2 more →
- 0.5% general earn; the IndiGo rate is only 1.5% (3 BluChips) — no better than the ₹799 Axis card on 6E fares
- BluChips redeem only for IndiGo flights — no transfer partners, unlike SBI MILES
- 3.5% forex markup
The call
For the ₹1L/month spender, IndiGo Axis Bank Premium Credit Card nets ₹23,100 against ₹10,941 — a ₹12,159 gap. At ₹5L/month, IndiGo Axis Bank Premium Credit Card nets ₹85,500 against ₹40,701 — a ₹44,799 gap. Lounge chasers: IndiGo Axis Bank Premium Credit Card opens 731 of 789 tracked doors to IndiGo SBI Card's 75.
Our standing verdicts: IndiGo Axis Bank Premium Credit Card — Downgrade; IndiGo SBI Card — Downgrade. On our board, IndiGo Axis Bank Premium Credit Card sits at #51 to IndiGo SBI Card's #59 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo Axis Bank Premium Credit Card or IndiGo SBI Card?
IndiGo Axis Bank Premium Credit Card. It sits at #51 on our board to IndiGo SBI Card's #59. IndiGo Axis Bank Premium Credit Card takes 7 of the 8 rounds we can score. IndiGo Axis Bank Premium Credit Card out-earns IndiGo SBI Card at every spend level we model, from ₹25k to ₹5L a month.
IndiGo Axis Bank Premium Credit Card or IndiGo SBI Card — which earns more at ₹3L a month?
At ₹3L a month, IndiGo Axis Bank Premium Credit Card nets ₹54,300 against ₹25,821 — a ₹28,479 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IndiGo Axis Bank Premium Credit Card or IndiGo SBI Card?
IndiGo SBI Card — ₹1,499/yr against ₹5,000/yr. IndiGo Axis Bank Premium Credit Card waives its fee at no spend level — there is no waiver; IndiGo SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndiGo Axis Bank Premium Credit Card or IndiGo SBI Card?
Lounge chasers: IndiGo Axis Bank Premium Credit Card opens 731 of 789 tracked doors to IndiGo SBI Card's 75. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: IndiGo Axis Bank Premium Credit Card on 2026-08-15, IndiGo SBI Card on 2026-08-08. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.