IndiGo SBI Card ELITE vs IndiGo Axis Bank Premium Credit Card (2026)
The ₹4,999 IndiGo flagships head-to-head — 7 BluChips/₹100 on 6E spend either way; the tiebreaks are lounges, milestones and which app you already tolerate.
Head to head
| Metric | IndiGo SBI Card ELITE | IndiGo Axis Bank Premium Credit Card |
|---|---|---|
| Our rank | #42 | #43 |
| Annual fee | ₹4,999 + GST | ₹5,000 + GST |
| Fee waiver | None | None |
| Forex markup | 3.5% + GST | 2.5% + GST |
| APR | not published | not published |
| Effective reward rate | 1.0% | 1.0% |
| Currency | IndiGo BluChip | IndiGo BluChip |
| House value | ₹0.50/pt | ₹0.50/pt |
| Welcome benefit | 5,000 IndiGo BluChips + a 6E Eats voucher, on fee payment and first transaction within 60 days | 5,000 IndiGo BluChips + a 6E Eats voucher on fee payment (10,000 BluChips in the launch 2x window through 31 Jul 2026); the 5,000 BluChips repeat on every renewal |
| Lounge doors opened | 76 of 662 | 606 of 662 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. Tune it to your own spend in the calculator.
IndiGo SBI Card ELITE out-earns IndiGo Axis Bank Premium Credit Card at every spend level we model, from ₹25k to ₹5L a month.
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 →
The call
For the ₹1L/month spender, IndiGo SBI Card ELITE nets ₹22,601 against ₹20,600 — a ₹2,001 gap. At ₹5L/month, IndiGo SBI Card ELITE nets ₹85,001 against ₹83,000 — a ₹2,001 gap. Lounge chasers: IndiGo Axis Bank Premium Credit Card opens 606 of 662 tracked doors to IndiGo SBI Card ELITE's 76.
Our standing verdicts: IndiGo SBI Card ELITE — Downgrade; IndiGo Axis Bank Premium Credit Card — Downgrade. On our board, IndiGo SBI Card ELITE sits at #42 to IndiGo Axis Bank Premium Credit Card's #43 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →