3 pts / ₹100 · Up to 6 pts / ₹100 on Indigo
Strong data 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.
The short answer
VerdictHead-to-head
Three core metrics- Annual fee IndiGo ₹4,999ELITE ₹4,999 Waivable at ₹10,00,000 spend
- Forex markup IndiGo saves ~₹500 per ₹1L abroadIndiGo 1.49%ELITE 1.99%
- Domestic lounge ELITE: +8 lounge visits/yrIndiGo No complimentary lounge accessELITE 8/year
Reward earning explained
Per card2 pts / ₹100 · Up to 10 pts / ₹100 on Dining Departmental Grocery
Strong 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
Available evidence is incomplete: IDFC FIRST Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card ELITE conservative base value ~0.5% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI ELITE: ~₹250/month at base rate
- IDFC FIRST IndiGo: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| 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 Not included vs 6 per year | No international lounge access | 6 per year |
| Forex / International Use | ||
| Forex markup Same forex; compare fee and lounge rows. 1.49% vs 1.99% | 1.49% | 1.99% |
| Fees | ||
| Recurring annual fee | ₹4,999 | ₹4,999 |
| Annual-fee waiver 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 |
| Monthly interest rate Only available for SBI ELITE | Not specified | 3.75% / month |
| Fuel benefit Only available for IDFC FIRST IndiGo | No surcharge waiver | Not specified |
| Rewards | ||
| Points per ₹100 3 pts / ₹100 vs 2 pts / ₹100 | 3 pts / ₹100 | 2 pts / ₹100 |
| Conservative base value Not safely INR-comparable vs ~0.5% | Not safely INR-comparable | ~0.5% |
| Earn ceiling Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI vs 10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Indigo, Education, FASTag, Fuel, Government services, Insurance, IRCTC, Railways, Rent, Utilities, Wallet loads & UPI | 10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI ELITE | Not specified | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
IDFC FIRST Bank IndiGo
Verify with issuer , opens external siteSBI Card ELITE
Verify with issuer , opens external site