SBI Card MILES PRIME vs IndiGo SBI Card ELITE (2026)
SBI Card's own upgrade question: ₹2,999/yr against ₹4,999/yr at the same 1.0% headline earn — so the fee buys benefits, not points.
Head to head
| SBI Card MILES PRIME | Metric | IndiGo SBI Card ELITE |
|---|---|---|
| #41 — wins this row | Our rank | #49 |
| ₹2,999/yr — wins this row | Fee — joining · annual (+ GST) | ₹4,999/yr |
| ₹10,00,000 spend | Fee waiver | None |
| 2.5% + GST — wins this row | Forex markup | 3.5% + GST |
| Up to 3.75%/mo (45%/yr) | APR | not published |
| 1.0% | Headline earn rate | 1.0% |
| SBI Travel Credits | Currency | IndiGo BluChip |
| ₹1.00/pt | House value | ₹0.50/pt |
| 3,000 Travel Credits on ₹60k spend in 60 days | Welcome benefit | 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 |
| 724 of 789 — wins this row | Lounge doors opened | 75 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SBI Card MILES PRIME and IndiGo SBI Card ELITE are both open to a direct application. How people actually get IndiGo SBI Card ELITE 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 SBI Card MILES PRIME 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: ₹4,040 at ₹0.25L a month, ₹10,301 at ₹5L — the gap fans out with spend, widest at ₹5L (₹10,301).
IndiGo SBI Card ELITE pays a renewal bonus whatever you spend, and SBI Card MILES PRIME pays nothing to stay.
SBI Card MILES PRIME draws above the line, IndiGo SBI Card ELITE below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | SBI Card MILES PRIME | IndiGo SBI Card ELITE | In front |
|---|---|---|---|
| ₹0.25L | ₹361 | ₹4,401 | IndiGo SBI Card ELITE by ₹4,040 |
| ₹0.5L | ₹3,721 | ₹11,301 | IndiGo SBI Card ELITE by ₹7,580 |
| ₹0.75L | ₹17,081 | ₹18,201 | IndiGo SBI Card ELITE by ₹1,120 |
| ₹1L | ₹23,440 | ₹25,101 | IndiGo SBI Card ELITE by ₹1,661 |
| ₹1.25L | ₹26,800 | ₹29,001 | IndiGo SBI Card ELITE by ₹2,201 |
| ₹1.5L | ₹30,160 | ₹32,901 | IndiGo SBI Card ELITE by ₹2,741 |
| ₹1.75L | ₹33,520 | ₹36,801 | IndiGo SBI Card ELITE by ₹3,281 |
| ₹2L | ₹36,880 | ₹40,701 | IndiGo SBI Card ELITE by ₹3,821 |
| ₹2.25L | ₹40,240 | ₹44,601 | IndiGo SBI Card ELITE by ₹4,361 |
| ₹2.5L | ₹43,600 | ₹48,501 | IndiGo SBI Card ELITE by ₹4,901 |
| ₹2.75L | ₹46,960 | ₹52,401 | IndiGo SBI Card ELITE by ₹5,441 |
| ₹3L | ₹50,320 | ₹56,301 | IndiGo SBI Card ELITE by ₹5,981 |
| ₹3.25L | ₹53,680 | ₹60,201 | IndiGo SBI Card ELITE by ₹6,521 |
| ₹3.5L | ₹57,040 | ₹64,101 | IndiGo SBI Card ELITE by ₹7,061 |
| ₹3.75L | ₹60,400 | ₹68,001 | IndiGo SBI Card ELITE by ₹7,601 |
| ₹4L | ₹63,760 | ₹71,901 | IndiGo SBI Card ELITE by ₹8,141 |
| ₹4.25L | ₹67,120 | ₹75,801 | IndiGo SBI Card ELITE by ₹8,681 |
| ₹4.5L | ₹70,480 | ₹79,701 | IndiGo SBI Card ELITE by ₹9,221 |
| ₹4.75L | ₹73,840 | ₹83,601 | IndiGo SBI Card ELITE by ₹9,761 |
| ₹5L | ₹77,200 | ₹87,501 | IndiGo SBI Card ELITE by ₹10,301 |
Transfer reach
Only SBI Card MILES PRIME
- 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
SBI Card MILES PRIME · 6 more →
- Travel Credits expire in 24 months — the shortest fuse on the index
- 1% base earn — everyday spend belongs on another card
- 2.5% forex undercuts ELITE's 1.99% by half a point
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
The call
For the ₹1L/month spender, IndiGo SBI Card ELITE nets ₹25,101 against ₹23,440 — a ₹1,661 gap. At ₹5L/month, IndiGo SBI Card ELITE nets ₹87,501 against ₹77,200 — a ₹10,301 gap. Lounge chasers: SBI Card MILES PRIME opens 724 of 789 tracked doors to IndiGo SBI Card ELITE's 75.
Our standing verdicts: SBI Card MILES PRIME — Keep; IndiGo SBI Card ELITE — Downgrade. On our board, SBI Card MILES PRIME sits at #41 to IndiGo SBI Card ELITE's #49 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, SBI Card MILES PRIME or IndiGo SBI Card ELITE?
SBI Card MILES PRIME. It sits at #41 on our board to IndiGo SBI Card ELITE's #49. SBI Card MILES PRIME takes 4 of the 7 rounds we can score. IndiGo SBI Card ELITE out-earns SBI Card MILES PRIME at every spend level we model, from ₹25k to ₹5L a month.
SBI Card MILES PRIME or IndiGo SBI Card ELITE — which earns more at ₹3L a month?
At ₹3L a month, IndiGo SBI Card ELITE nets ₹56,301 against ₹50,320 — a ₹5,981 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, SBI Card MILES PRIME or IndiGo SBI Card ELITE?
SBI Card MILES PRIME — ₹2,999/yr against ₹4,999/yr. SBI Card MILES PRIME waives its fee at ₹10,00,000 of spend; IndiGo SBI Card ELITE at no spend level — there is no waiver.
Which gets you into more airport lounges, SBI Card MILES PRIME or IndiGo SBI Card ELITE?
Lounge chasers: SBI Card MILES PRIME opens 724 of 789 tracked doors to IndiGo SBI Card ELITE'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: SBI Card MILES PRIME on 2026-08-02, IndiGo SBI Card ELITE on 2026-08-08. 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.