IndiGo SBI Card vs IndiGo Axis Bank Credit Card (2026)
Same BluChips, rival banks — SBI's 3/₹100 co-brand against Axis's take on the same IndiGo currency. The 6E loyalist's real question is which bank's fine print bites less.
Head to head
| Metric | IndiGo SBI Card | IndiGo Axis Bank Credit Card |
|---|---|---|
| Our rank | #48 | #59 |
| Annual fee | ₹1,499 + GST | ₹799 + GST |
| Fee waiver | None | None |
| Forex markup | 3.5% + GST | 3.5% + GST |
| APR | not published | not published |
| Effective reward rate | 0.5% | 0.5% |
| Currency | IndiGo BluChip | IndiGo BluChip |
| House value | ₹0.50/pt | ₹0.50/pt |
| Welcome benefit | 2,500 IndiGo BluChips on the first transaction within 60 days; 2,500 BluChips again on every renewal | 1,200 IndiGo BluChips voucher on fee payment (2,400 in the launch 2x window through 31 Jul 2026) |
| Lounge doors opened | 76 of 662 | 17 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 Axis Bank Credit Card wins under ₹0.5L/month; IndiGo SBI Card takes over above it.
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 nets ₹9,691 against ₹7,841 — a ₹1,850 gap. At ₹5L/month, IndiGo SBI Card nets ₹39,451 against ₹37,601 — a ₹1,850 gap. Lounge chasers: IndiGo SBI Card opens 76 of 662 tracked doors to IndiGo Axis Bank Credit Card's 17.
Our standing verdicts: IndiGo SBI Card — Downgrade; IndiGo Axis Bank Credit Card — Downgrade. On our board, IndiGo SBI Card sits at #48 to IndiGo Axis Bank Credit Card's #59 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →