IndiGo SBI Card vs KrisFlyer SBI Card (2026)
SBI Card's own upgrade question: ₹1,499/yr against ₹2,999/yr for 0.6pp more headline earn.
Head to head
| IndiGo SBI Card | Metric | KrisFlyer SBI Card |
|---|---|---|
| #59 — wins this row | Our rank | #64 |
| ₹1,499/yr — wins this row | Fee — joining · annual (+ GST) | ₹2,999/yr |
| None | Fee waiver | None |
| 3.5% + GST | Forex markup | 3.5% + GST |
| not published | APR | not published |
| 0.5% | Headline earn rate | 1.1% — wins this row |
| IndiGo BluChip | Currency | Singapore Airlines KrisFlyer |
| ₹0.50/pt | House value | ₹1.10/pt |
| 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 | Welcome benefit | 3,000 KrisFlyer miles on annual-fee payment and first transaction within 60 days |
| 75 of 789 | Lounge doors opened | 724 of 789 — wins this row |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndiGo SBI Card and KrisFlyer SBI Card are both open to a direct application. How people actually get KrisFlyer SBI Card 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.
KrisFlyer SBI Card out-earns IndiGo SBI Card at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
KrisFlyer SBI Card leads at all 20 steps, but not by the same amount: ₹1,334 at ₹0.25L a month, ₹37,480 at ₹5L — the gap fans out with spend, widest at ₹5L (₹37,480).
IndiGo SBI Card pays a renewal bonus whatever you spend, and KrisFlyer SBI Card pays nothing to stay.
IndiGo SBI Card draws above the line, KrisFlyer SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo SBI Card | KrisFlyer SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹2,861 | ₹4,195 | KrisFlyer SBI Card by ₹1,334 |
| ₹0.5L | ₹7,221 | ₹8,089 | KrisFlyer SBI Card by ₹868 |
| ₹0.75L | ₹9,081 | ₹11,983 | KrisFlyer SBI Card by ₹2,902 |
| ₹1L | ₹10,941 | ₹15,877 | KrisFlyer SBI Card by ₹4,936 |
| ₹1.25L | ₹12,801 | ₹19,771 | KrisFlyer SBI Card by ₹6,970 |
| ₹1.5L | ₹14,661 | ₹23,665 | KrisFlyer SBI Card by ₹9,004 |
| ₹1.75L | ₹16,521 | ₹27,559 | KrisFlyer SBI Card by ₹11,038 |
| ₹2L | ₹18,381 | ₹31,453 | KrisFlyer SBI Card by ₹13,072 |
| ₹2.25L | ₹20,241 | ₹35,347 | KrisFlyer SBI Card by ₹15,106 |
| ₹2.5L | ₹22,101 | ₹39,241 | KrisFlyer SBI Card by ₹17,140 |
| ₹2.75L | ₹23,961 | ₹43,135 | KrisFlyer SBI Card by ₹19,174 |
| ₹3L | ₹25,821 | ₹47,029 | KrisFlyer SBI Card by ₹21,208 |
| ₹3.25L | ₹27,681 | ₹50,923 | KrisFlyer SBI Card by ₹23,242 |
| ₹3.5L | ₹29,541 | ₹54,817 | KrisFlyer SBI Card by ₹25,276 |
| ₹3.75L | ₹31,401 | ₹58,711 | KrisFlyer SBI Card by ₹27,310 |
| ₹4L | ₹33,261 | ₹62,605 | KrisFlyer SBI Card by ₹29,344 |
| ₹4.25L | ₹35,121 | ₹66,499 | KrisFlyer SBI Card by ₹31,378 |
| ₹4.5L | ₹36,981 | ₹70,393 | KrisFlyer SBI Card by ₹33,412 |
| ₹4.75L | ₹38,841 | ₹74,287 | KrisFlyer SBI Card by ₹35,446 |
| ₹5L | ₹40,701 | ₹78,181 | KrisFlyer SBI Card by ₹37,480 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
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
KrisFlyer SBI Card · 5 more →
- General earn is 1 mile/₹100 (≈1.1%) — everyday spend belongs on another card
- ₹2,999 fee has no spend-based waiver; 3.5% forex markup
- Elite Silver is NOT a general-spend milestone — SBI gates it on ₹2.5L booked with Singapore Airlines, a bar almost nobody clears on a ₹2,999 card
The call
For the ₹1L/month spender, KrisFlyer SBI Card nets ₹15,877 against ₹10,941 — a ₹4,936 gap. At ₹5L/month, KrisFlyer SBI Card nets ₹78,181 against ₹40,701 — a ₹37,480 gap. Lounge chasers: KrisFlyer SBI Card opens 724 of 789 tracked doors to IndiGo SBI Card's 75.
Our standing verdicts: IndiGo SBI Card — Downgrade; KrisFlyer SBI Card — Keep. On our board, IndiGo SBI Card sits at #59 to KrisFlyer SBI Card's #64 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo SBI Card or KrisFlyer SBI Card?
IndiGo SBI Card. It sits at #59 on our board to KrisFlyer SBI Card's #64. KrisFlyer SBI Card takes 5 of the 7 rounds we can score. KrisFlyer SBI Card out-earns IndiGo SBI Card at every spend level we model, from ₹25k to ₹5L a month.
IndiGo SBI Card or KrisFlyer SBI Card — which earns more at ₹3L a month?
At ₹3L a month, KrisFlyer SBI Card nets ₹47,029 against ₹25,821 — a ₹21,208 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 or KrisFlyer SBI Card?
IndiGo SBI Card — ₹1,499/yr against ₹2,999/yr. IndiGo SBI Card waives its fee at no spend level — there is no waiver; KrisFlyer SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, IndiGo SBI Card or KrisFlyer SBI Card?
Lounge chasers: KrisFlyer SBI Card opens 724 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 SBI Card on 2026-08-08, KrisFlyer SBI Card on 2026-08-02. 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.