IndiGo SBI Card vs SBI Card MILES (2026)
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| IndiGo SBI Card | Metric | SBI Card MILES |
|---|---|---|
| #59 — wins this row | Our rank | #82 |
| ₹1,499/yr | Fee — joining · annual (+ GST) | ₹1,499/yr |
| None | Fee waiver | ₹6,00,000 spend |
| 3.5% + GST | Forex markup | 3% + GST — wins this row |
| not published | APR | Up to 3.75%/mo (45%/yr) |
| 0.5% | Headline earn rate | 0.5% |
| IndiGo BluChip | Currency | SBI Travel Credits |
| ₹0.50/pt | House value | ₹1.00/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 | 1,500 Travel Credits on ₹30k spend in 60 days |
| 75 of 789 — wins this row | Lounge doors opened | 16 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndiGo SBI Card and SBI Card MILES 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.
It swings with spend: SBI Card MILES at ₹1L/month, IndiGo SBI Card at ₹3L/month, IndiGo SBI Card at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹2.25L a month: IndiGo SBI Card is ahead by ₹2,680 at ₹0.25L, IndiGo SBI Card by ₹2,101 at ₹5L.
IndiGo SBI Card pays a renewal bonus whatever you spend, and SBI Card MILES pays nothing to stay.
IndiGo SBI Card draws above the line, SBI Card MILES below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndiGo SBI Card | SBI Card MILES | In front |
|---|---|---|---|
| ₹0.25L | ₹2,861 | ₹181 | IndiGo SBI Card by ₹2,680 |
| ₹0.5L | ₹7,221 | ₹8,360 | SBI Card MILES by ₹1,139 |
| ₹0.75L | ₹9,081 | ₹10,040 | SBI Card MILES by ₹959 |
| ₹1L | ₹10,941 | ₹11,720 | SBI Card MILES by ₹779 |
| ₹1.25L | ₹12,801 | ₹13,400 | SBI Card MILES by ₹599 |
| ₹1.5L | ₹14,661 | ₹15,080 | SBI Card MILES by ₹419 |
| ₹1.75L | ₹16,521 | ₹16,760 | SBI Card MILES by ₹239 |
| ₹2L | ₹18,381 | ₹18,440 | SBI Card MILES by ₹59 |
| ₹2.25L | ₹20,241 | ₹20,120 | IndiGo SBI Card by ₹121 |
| ₹2.5L | ₹22,101 | ₹21,800 | IndiGo SBI Card by ₹301 |
| ₹2.75L | ₹23,961 | ₹23,480 | IndiGo SBI Card by ₹481 |
| ₹3L | ₹25,821 | ₹25,160 | IndiGo SBI Card by ₹661 |
| ₹3.25L | ₹27,681 | ₹26,840 | IndiGo SBI Card by ₹841 |
| ₹3.5L | ₹29,541 | ₹28,520 | IndiGo SBI Card by ₹1,021 |
| ₹3.75L | ₹31,401 | ₹30,200 | IndiGo SBI Card by ₹1,201 |
| ₹4L | ₹33,261 | ₹31,880 | IndiGo SBI Card by ₹1,381 |
| ₹4.25L | ₹35,121 | ₹33,560 | IndiGo SBI Card by ₹1,561 |
| ₹4.5L | ₹36,981 | ₹35,240 | IndiGo SBI Card by ₹1,741 |
| ₹4.75L | ₹38,841 | ₹36,920 | IndiGo SBI Card by ₹1,921 |
| ₹5L | ₹40,701 | ₹38,600 | IndiGo SBI Card by ₹2,101 |
Transfer reach
Only SBI Card MILES
- The British Airways Club (Avios)
- Air France-KLM Flying Blue
- Air India Maharaja Club
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
SBI Card MILES · 3 more →
- 0.5% base / 1% travel — the weakest earn in the MILES range
- 3% forex, the highest of the three MILES cards
- Travel Credits expire in 24 months; minimum transfer 2,000 TC
The call
For the ₹1L/month spender, SBI Card MILES nets ₹11,720 against ₹10,941 — a ₹779 gap. At ₹5L/month, IndiGo SBI Card nets ₹40,701 against ₹38,600 — a ₹2,101 gap. Lounge chasers: IndiGo SBI Card opens 75 of 789 tracked doors to SBI Card MILES's 16.
Our standing verdicts: IndiGo SBI Card — Downgrade; SBI Card MILES — Downgrade. On our board, IndiGo SBI Card sits at #59 to SBI Card MILES's #82 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IndiGo SBI Card or SBI Card MILES?
IndiGo SBI Card. It sits at #59 on our board to SBI Card MILES's #82. IndiGo SBI Card takes 4 of the 6 rounds we can score. It swings with spend: SBI Card MILES at ₹1L/month, IndiGo SBI Card at ₹3L/month, IndiGo SBI Card at ₹5L/month.
IndiGo SBI Card or SBI Card MILES — which earns more at ₹3L a month?
At ₹3L a month, IndiGo SBI Card nets ₹25,821 against ₹25,160 — a ₹661 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 SBI Card MILES?
They cost the same to get: ₹1,499/yr. IndiGo SBI Card waives its fee at no spend level — there is no waiver; SBI Card MILES at ₹6,00,000 of spend.
Which gets you into more airport lounges, IndiGo SBI Card or SBI Card MILES?
Lounge chasers: IndiGo SBI Card opens 75 of 789 tracked doors to SBI Card MILES's 16. 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, SBI Card MILES 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.