- Annual fee ₹4,999
- Forex markup 1.49%
- Domestic lounge No complimentary lounge access
Pairwise comparison
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IDFC FIRST Bank IndiGo vs SBI Card ELITE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the IDFC FIRST Bank IndiGo and the SBI Card ELITE. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex IDFC FIRST Bank IndiGo Lounge SBI Card ELITE
Quick comparison
Three core metrics- Annual fee ₹4,999 Waivable at ₹10,00,000 spend
- Forex markup 1.99%
- Domestic lounge 8/year
Reward earning explained
Per card6 pts / ₹100 on Indigo (6 BC/₹100 on IndiGo channels. Marketing 'up to 22' incl…
Limited data2 pts / ₹100 on General spend
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (IDFC FIRST Bank IndiGo: ₹4,999 vs SBI Card ELITE: ₹4,999), forex markup (1.49% vs 1.99%), or lounge access (No complimentary lounge access vs 8/year).
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Travel Insufficient data Insufficient data to compare travel
Only SBI Card ELITE has comparable evidence here. Forex markup is 1.99%.
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Forex markup IDFC FIRST Bank IndiGo wins IDFC FIRST Bank IndiGo is better for forex
IDFC FIRST Bank IndiGo is stronger here. IDFC FIRST Bank IndiGo has a lower forex markup (1.49% vs 1.99%).
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Lounge access SBI Card ELITE wins SBI Card ELITE is better for lounge access
SBI Card ELITE is stronger here. Domestic lounge access is 8 per year.
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Rewards Insufficient data Insufficient data to compare rewards
Only SBI Card ELITE has comparable evidence here. Base earn is 2 pts per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IDFC FIRST IndiGo: Base earn not clearly specified
- SBI ELITE: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndiGo IDFC FIRST Bank | ELITE SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No complimentary lounge access vs 8/year | No complimentary lounge access | 8/year |
| International lounge visits Only available for SBI ELITE | Not specified | 6/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.49% vs 1.99% | 1.49% | 1.99% |
| Fees | ||
| Annual fee | ₹4,999 | ₹4,999 |
| Joining fee | ₹4,999 | ₹4,999 |
| Fee waiver spend Only available for SBI ELITE | Not specified | ₹10,00,000 |
| Interest-free period Up to 45 days vs Up to 50 days | Up to 45 days | Up to 50 days |
| Rewards | ||
| Points per ₹100 3 pts vs 2 pts | 3 pts | 2 pts |
| Point validity Only available for IDFC FIRST IndiGo | 2 years | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.