1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick IndiGo for lounge access.
Head-to-head
Three core metrics- Annual fee IndiGo saves ₹200/yrIndiGo ₹799 Annual-fee waiver not offeredCashback ₹999 Waivable at ₹2,00,000 or more spend
- Forex markup IndiGo 3.5%Cashback 3.5%
- Domestic lounge IndiGo: +4 lounge visits/yrIndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsCashback No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on online spend
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank IndiGo wins Axis Bank IndiGo is better for lounge access
Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card Cashback conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI Cashback: ~₹500/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | Cashback SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹999 | ₹799 | ₹999 |
| First-year cost Only available for SBI Cashback | Not specified | ₹999 |
| Annual-fee waiver Not offered vs ₹2,00,000 or more | Not offered | ₹2,00,000 or more |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for SBI Cashback | Not specified | ₹400–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 1 pt / ₹100 vs 1% | 1 pt / ₹100 | 1% |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs ₹2,000 per statement cycle | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | ₹2,000 per statement cycle |
| Point validity Only available for SBI Cashback | Not specified | 2 years |
Notes
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteSBI Card Cashback
Verify with issuer , opens external site