Apollo Sbi Card Mastercard Credit Card vs Sbi Card Indigo Elite Mastercard Credit Card: Which is Better in 2026?
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The comparison between the Apollo Sbi Card Mastercard Credit Card and the Sbi Card Indigo Elite Mastercard Credit Card highlights significant differences in rewards and travel benefits. While the Apollo card lacks any notable features, the Indigo Elite card offers a robust rewards program focused on travel, making it more appealing for frequent flyers.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Sbi Card Indigo Elite Mastercard Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee - Rs.4999 |
| Annual / renewal fee | — | Renewal Fees - Rs.4999 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 7 IndiGo BluChips Per Rs.100 on IndiGo |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 6 Complimentary International Lounge Access Per Year |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Renewal Benefits - 5000 IndiGo BluChips Voucher |
| Milestone benefit | — | — |
| Foreign currency markup | — | — |
Which is better for rewards?
The Sbi Card Indigo Elite Mastercard Credit Card is clearly superior for rewards, offering 7 IndiGo BluChips per Rs.100 spent on IndiGo, along with additional rewards for travel and other spends. In contrast, the Apollo Sbi Card Mastercard Credit Card provides no rewards or cashback options, making it less attractive for those looking to earn benefits from their spending.
Which is better for travel?
For travel enthusiasts, the Sbi Card Indigo Elite Mastercard Credit Card stands out with its complimentary lounge access and a focus on travel rewards. The Apollo Sbi Card Mastercard Credit Card, however, lacks any travel-related benefits or lounge access, making it unsuitable for frequent travelers.
Which has lower effective cost?
Both cards have a joining fee of Rs.4999, and no information is provided regarding renewal fees or fee waivers for the Apollo card. This makes the effective cost of both cards relatively similar, but the lack of features in the Apollo card suggests it may not offer value for the same fee.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you are looking for a straightforward credit card with no frills. However, be aware that it lacks rewards and benefits, making it more suitable for those who do not prioritize earning points or travel perks.
Who should pick Sbi Card Indigo Elite Mastercard Credit Card?
Consider Sbi Card Indigo Elite Mastercard Credit Card if you frequently travel and want to maximize your rewards on travel-related expenses. Its comprehensive rewards program and lounge access make it a strong choice for those who prioritize travel benefits.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or cashback.
The Sbi Card Indigo Elite Mastercard Credit Card provides 2 complimentary domestic lounge accesses per quarter and 6 international lounge accesses per year.
Yes, both cards have a joining fee of Rs.4999.
Yes, the Indigo Elite card allows you to earn 3 IndiGo BluChips per Rs.100 on travel and 2 BluChips per Rs.100 on other spends.