IndiGo SBI Card ELITE vs IndiGo Kotak Premium Credit 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 ₹4,999/yr against 1.0% at ₹3,000/yr.
Head to head
| IndiGo SBI Card ELITE | Metric | IndiGo Kotak Premium Credit Card |
|---|---|---|
| #49 — wins this row | Our rank | #50 |
| ₹4,999/yr | Fee — joining · annual (+ GST) | ₹3,000/yr — wins this row |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST |
| not published | APR | not published |
| 1.0% | Headline earn rate | 1.0% |
| IndiGo BluChip | Currency | IndiGo BluChip |
| ₹0.50/pt | House value | ₹0.50/pt |
| 5,000 IndiGo BluChips + a 6E Eats voucher on fee payment and first transaction within 60 days, plus 4 6E Prime passes on ₹1L spend within 90 days; 5,000 BluChips + a 6E Eats voucher again on every renewal | Welcome benefit | 4,000 IndiGo BluChips voucher + a 6E Eats voucher on fee payment — and the same 4,000 BluChips land again on every renewal |
| 75 of 789 — wins this row | Lounge doors opened | 17 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndiGo SBI Card ELITE and IndiGo Kotak Premium Credit Card are both open to a direct application. How people actually get each one is on its card page.
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 SBI Card ELITE out-earns IndiGo Kotak Premium Credit Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
IndiGo SBI Card ELITE leads at all 20 steps, but not by the same amount: ₹1,861 at ₹0.25L a month, ₹11,701 at ₹5L — the gap fans out with spend, widest at ₹5L (₹11,701).
IndiGo SBI Card ELITE pays a renewal bonus whatever you spend, and IndiGo Kotak Premium Credit Card pays nothing to stay.
IndiGo SBI Card ELITE draws above the line, IndiGo Kotak Premium Credit Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo SBI Card ELITE | IndiGo Kotak Premium Credit Card | In front |
|---|---|---|---|
| ₹0.25L | ₹4,401 | ₹2,540 | IndiGo SBI Card ELITE by ₹1,861 |
| ₹0.5L | ₹11,301 | ₹8,080 | IndiGo SBI Card ELITE by ₹3,221 |
| ₹0.75L | ₹18,201 | ₹13,620 | IndiGo SBI Card ELITE by ₹4,581 |
| ₹1L | ₹25,101 | ₹19,160 | IndiGo SBI Card ELITE by ₹5,941 |
| ₹1.25L | ₹29,001 | ₹22,700 | IndiGo SBI Card ELITE by ₹6,301 |
| ₹1.5L | ₹32,901 | ₹26,240 | IndiGo SBI Card ELITE by ₹6,661 |
| ₹1.75L | ₹36,801 | ₹29,780 | IndiGo SBI Card ELITE by ₹7,021 |
| ₹2L | ₹40,701 | ₹33,320 | IndiGo SBI Card ELITE by ₹7,381 |
| ₹2.25L | ₹44,601 | ₹36,860 | IndiGo SBI Card ELITE by ₹7,741 |
| ₹2.5L | ₹48,501 | ₹40,400 | IndiGo SBI Card ELITE by ₹8,101 |
| ₹2.75L | ₹52,401 | ₹43,940 | IndiGo SBI Card ELITE by ₹8,461 |
| ₹3L | ₹56,301 | ₹47,480 | IndiGo SBI Card ELITE by ₹8,821 |
| ₹3.25L | ₹60,201 | ₹51,020 | IndiGo SBI Card ELITE by ₹9,181 |
| ₹3.5L | ₹64,101 | ₹54,560 | IndiGo SBI Card ELITE by ₹9,541 |
| ₹3.75L | ₹68,001 | ₹58,100 | IndiGo SBI Card ELITE by ₹9,901 |
| ₹4L | ₹71,901 | ₹61,640 | IndiGo SBI Card ELITE by ₹10,261 |
| ₹4.25L | ₹75,801 | ₹65,180 | IndiGo SBI Card ELITE by ₹10,621 |
| ₹4.5L | ₹79,701 | ₹68,720 | IndiGo SBI Card ELITE by ₹10,981 |
| ₹4.75L | ₹83,601 | ₹72,260 | IndiGo SBI Card ELITE by ₹11,341 |
| ₹5L | ₹87,501 | ₹75,800 | IndiGo SBI Card ELITE by ₹11,701 |
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 SBI Card ELITE · 2 more →
- BluChips redeem only for IndiGo flights — no transfer partners, worth ₹0.50 each
- 2% general earn — the accelerated 3.5% is IndiGo-fares only
- ₹4,999 fee with no spend waiver; 3.5% forex markup
IndiGo Kotak Premium Credit Card · 5 more →
- The '21 BluChips per ₹100' headline is a stack — the CARD pays 5, and 21 needs IndiGo's top Blu 1 tier; a Blu 3 member gets 17
- 1% on general spend — a plain vanilla rate for a ₹3,000 fee
- 3.5% forex markup: this is a card for domestic IndiGo flying, not for travelling
The call
For the ₹1L/month spender, IndiGo SBI Card ELITE nets ₹25,101 against ₹19,160 — a ₹5,941 gap. At ₹5L/month, IndiGo SBI Card ELITE nets ₹87,501 against ₹75,800 — a ₹11,701 gap. Lounge chasers: IndiGo SBI Card ELITE opens 75 of 789 tracked doors to IndiGo Kotak Premium Credit Card's 17.
Our standing verdicts: IndiGo SBI Card ELITE — Downgrade; IndiGo Kotak Premium Credit Card — Keep. On our board, IndiGo SBI Card ELITE sits at #49 to IndiGo Kotak Premium Credit Card's #50 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo SBI Card ELITE or IndiGo Kotak Premium Credit Card?
IndiGo SBI Card ELITE. It sits at #49 on our board to IndiGo Kotak Premium Credit Card's #50. IndiGo SBI Card ELITE takes 5 of the 6 rounds we can score. IndiGo SBI Card ELITE out-earns IndiGo Kotak Premium Credit Card at every spend level we model, from ₹25k to ₹5L a month.
IndiGo SBI Card ELITE or IndiGo Kotak Premium Credit Card — which earns more at ₹3L a month?
At ₹3L a month, IndiGo SBI Card ELITE nets ₹56,301 against ₹47,480 — a ₹8,821 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 SBI Card ELITE or IndiGo Kotak Premium Credit Card?
IndiGo Kotak Premium Credit Card — ₹3,000/yr against ₹4,999/yr. IndiGo SBI Card ELITE waives its fee at no spend level — there is no waiver; IndiGo Kotak Premium Credit Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndiGo SBI Card ELITE or IndiGo Kotak Premium Credit Card?
Lounge chasers: IndiGo SBI Card ELITE opens 75 of 789 tracked doors to IndiGo Kotak Premium Credit Card's 17. 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 SBI Card ELITE on 2026-08-08, IndiGo Kotak Premium Credit Card on 2026-07-26. 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.