vs
In short: RBL Platinum LifeEasy has the lower annual fee (₹1,999 vs ₹4,999); RBL Platinum LifeEasy includes 1 airport lounge visit a quarter, SBI Indigo Elite 2 airport lounge visits a quarter.
| Key facts | RBL Platinum LifeEasy | SBI Indigo Elite |
|---|---|---|
| Annual fee | ₹1,999 | ₹4,999 |
| Joining fee | Not listed | ₹4,999 |
| Annual fee waived | On ₹3.5 lakh annual spend | Not listed |
| Top reward rate | 10% Cashback on Fuel as Reward Points | 7 IndiGo BluChips Per ₹100 on IndiGo |
| Base rewards | Not in our data | 2 IndiGo BluChips Per ₹100 on Other Spends |
| Lounge access | 1 airport lounge visit a quarter | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | Not listed |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Rbl Bank Platinum LifeEasy Mastercard Credit Card focuses on cashback rewards primarily in everyday categories like fuel, groceries, and ride-hailing, with a moderate annual fee that can be waived on higher spends. The Sbi Card Indigo Elite Mastercard Credit Card is a co-branded travel card with IndiGo, offering accelerated rewards on IndiGo spends and multiple lounge accesses including international lounges, but with a higher joining and renewal fee. Both cards cater to different user priorities—cashback and fuel savings versus travel benefits and airline rewards.
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 | Rbl Bank Platinum LifeEasy Mastercard Credit Card | Sbi Card Indigo Elite Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | SBI Cards |
| Network | MasterCard | MasterCard |
| Joining fee | — | Joining Fee - Rs.4999 |
| Annual / renewal fee | Annual Fee of Rs.1999 | Renewal Fees - Rs.4999 |
| Annual fee waiver | Spend Rs.3.5 Lakh For Waiver of Annual Membership Fee | — |
| Top reward rate | 10% Cashback on Fuel as Reward Points | Earn 7 IndiGo BluChips Per Rs.100 on IndiGo |
| Base rate (other spends) | — | Earn 2 IndiGo BluChips Per Rs.100 on Other Spends |
| Lounge — domestic | Enjoy 1 Complimentary Airport Lounge Access Per Quarter | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 6 Complimentary International Lounge Access Per Year |
| Fuel surcharge waiver | Fuel surcharge waiver of Rs.150 | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get Gift Vouchers Worth Rs.2000 as Welcome Benefit | Renewal Benefits - 5000 IndiGo BluChips Voucher |
| Milestone benefit | Rs.1000 Worth Gift Vouchers on Spends of Rs.2.5 Lakh | 4 6E Prime Passes on Spend Rs.1Lac; Earn 6000 Bonus IndiGo Bluchips on Spend Rs.3Lac |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | — |
For rewards, the Rbl Bank Platinum LifeEasy card offers up to 10% cashback on fuel, Ola, and Uber, plus 5% on groceries, though cashback is capped monthly. This makes it attractive for everyday spending in these categories. The Sbi Card Indigo Elite Mastercard rewards are focused on IndiGo flight spends with 7 BluChips per Rs.100 and 2 BluChips on other spends, plus milestone bonuses. While the Indigo Elite's rewards are valuable for frequent IndiGo flyers, the RBL card provides straightforward cashback that can be easier to redeem. Overall, rewards value depends on spend patterns, making this a tie.
Travel benefits strongly favor the Sbi Card Indigo Elite Mastercard, which offers 2 complimentary domestic lounge accesses per quarter and 6 international lounge accesses annually. It also provides multiple milestone benefits including IndiGo Prime passes and bonus BluChips on higher spends. The RBL card includes only 1 complimentary domestic lounge access per quarter and does not list international lounge access in our data. If travel perks and lounge access are priorities, the Indigo Elite card is clearly better.
The Rbl Bank Platinum LifeEasy card has a lower annual fee of Rs.1999 that is waived on spending Rs.3.5 lakh annually, making it more cost-effective for moderate spenders. In contrast, the Sbi Card Indigo Elite Mastercard has a higher joining and renewal fee of Rs.4999 with no listed waiver, which may be justified by its travel benefits but is a higher upfront and recurring cost. For those mindful of fees or new to credit cards, the RBL card is more beginner-friendly and affordable.
The RBL card offers cashback credited as reward points with a redemption rate of 1 RP = Rs.0.25, making it easy to understand and use. The SBI Indigo Elite card uses IndiGo BluChips, a co-brand currency, which are best utilized for IndiGo flights and related services, adding value for frequent flyers but less flexibility for others.
RBL Bank Platinum LifeEasy provides a flat Rs.150 fuel surcharge waiver, while SBI Indigo Elite offers a 1% fuel surcharge waiver capped at Rs.400. Depending on fuel spend, the waiver type and cap may influence savings.
Consider Rbl Bank Platinum LifeEasy Mastercard Credit Card if you want straightforward cashback rewards on fuel, groceries, and ride-hailing with a lower annual fee that can be waived. It's suitable for everyday spenders who prefer fuel surcharge waivers and occasional domestic lounge access without a hefty joining fee.
Consider Sbi Card Indigo Elite Mastercard Credit Card if you frequently fly IndiGo and value travel perks like multiple domestic and international lounge accesses, IndiGo Prime passes, and accelerated rewards on IndiGo spends. Despite its higher fees, it suits travelers looking for premium airline-linked benefits and milestone rewards.
The RBL Platinum LifeEasy card has an annual fee of Rs.1999, which is waived if you spend Rs.3.5 lakh in a year.
Yes, the SBI Indigo Elite Mastercard provides 6 complimentary international lounge accesses per year.
The RBL Platinum LifeEasy card offers 10% cashback on fuel as reward points, capped monthly, while the SBI Indigo Elite card provides a 1% fuel surcharge waiver.
Yes, the RBL card offers Rs.1000 worth of gift vouchers on spending Rs.2.5 lakh annually, while the SBI Indigo Elite card offers multiple milestone rewards including IndiGo Prime passes and bonus BluChips on spends ranging from Rs.1 lakh to Rs.12 lakh.
The RBL card offers gift vouchers worth Rs.2000 as a welcome benefit, whereas the SBI Indigo Elite card provides a voucher of 5000 IndiGo BluChips.