Best credit card for IndiGo

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on IndiGo, Paisabazaar PaisaSave returns about ₹3,600 a year, or ₹3,101 after its ₹499 annual fee. With no annual fee, CheQ AU returns ₹1,500 a year.

Most back at ₹5,000 a monthPaisabazaar PaisaSave₹3,101 a year after the fee

Most back at ₹15,000 a monthPaisabazaar PaisaSave₹10,800 a year after the fee

Best with no annual feeCheQ AU₹1,500 a year

Pick your monthly IndiGo spend

₹1,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	CheQ AUAU Small Finance Bank	₹300	Free	₹300	Bank page
2	ZaggleAU Small Finance Bank	₹240	Free	₹240	Apply
3	Scapia Axis BankAxis Bank	₹240	Free	₹240	Apply
4	Kotak 811 Dream DifferentKotak Mahindra Bank	₹240	Free	₹240	Bank page
5	Paisabazaar PaisaSaveYES Bank	₹720	₹499	₹221	Bank page
6	AU CSAU Small Finance Bank	₹192	Free	₹192	Bank page
7	CA MetalAU Small Finance Bank	₹192	Free	₹192	Bank page
8	FIRST ClassicIDFC FIRST Bank	₹150	Free	₹150	Apply
9	FIRST MillenniaIDFC FIRST Bank	₹150	Free	₹150	Apply
10	FIRST SelectIDFC FIRST Bank	₹150	Free	₹150	Apply

₹2,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹1,440	₹499	₹941	Bank page
2	CheQ AUAU Small Finance Bank	₹600	Free	₹600	Bank page
3	ZaggleAU Small Finance Bank	₹480	Free	₹480	Apply
4	Scapia Axis BankAxis Bank	₹480	Free	₹480	Apply
5	Kotak 811 Dream DifferentKotak Mahindra Bank	₹480	Free	₹480	Bank page
6	AU CSAU Small Finance Bank	₹384	Free	₹384	Bank page
7	CA MetalAU Small Finance Bank	₹384	Free	₹384	Bank page
8	FIRST ClassicIDFC FIRST Bank	₹300	Free	₹300	Apply
9	FIRST MillenniaIDFC FIRST Bank	₹300	Free	₹300	Apply
10	FIRST SelectIDFC FIRST Bank	₹300	Free	₹300	Apply

₹3,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹2,160	₹499	₹1,661	Bank page
2	CheQ AUAU Small Finance Bank	₹900	Free	₹900	Bank page
3	ZaggleAU Small Finance Bank	₹720	Free	₹720	Apply
4	Scapia Axis BankAxis Bank	₹720	Free	₹720	Apply
5	Kotak 811 Dream DifferentKotak Mahindra Bank	₹720	Free	₹720	Bank page
6	PVR INOX KotakKotak Mahindra Bank	₹1,080	₹499	₹581	Bank page
7	AU CSAU Small Finance Bank	₹576	Free	₹576	Bank page
8	CA MetalAU Small Finance Bank	₹576	Free	₹576	Bank page
9	Standard Chartered EaseMyTripStandard Chartered Bank India	₹900	₹350	₹550	Bank page
10	FIRST ClassicIDFC FIRST Bank	₹450	Free	₹450	Apply

₹5,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹3,600	₹499	₹3,101	Bank page
2	PhonePe SBI Card SELECT BLACKSBI Card	₹3,000	₹1,499	₹1,501	Bank page
3	CheQ AUAU Small Finance Bank	₹1,500	Free	₹1,500	Bank page
4	Standard Chartered EaseMyTripStandard Chartered Bank India	₹1,500	Free	₹1,500	Bank page
5	PVR INOX KotakKotak Mahindra Bank	₹1,800	₹499	₹1,301	Bank page
6	ZaggleAU Small Finance Bank	₹1,200	Free	₹1,200	Apply
7	Scapia Axis BankAxis Bank	₹1,200	Free	₹1,200	Apply
8	Kotak 811 Dream DifferentKotak Mahindra Bank	₹1,200	Free	₹1,200	Bank page
9	CRED IndusInd Bank RuPayIndusInd Bank	₹1,500	₹499	₹1,001	Bank page
10	AU CSAU Small Finance Bank	₹960	Free	₹960	Bank page

₹7,500 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹5,400	₹499	₹4,901	Bank page
2	PhonePe SBI Card SELECT BLACKSBI Card	₹4,500	₹1,499	₹3,001	Bank page
3	CheQ AUAU Small Finance Bank	₹2,250	Free	₹2,250	Bank page
4	Standard Chartered EaseMyTripStandard Chartered Bank India	₹2,250	Free	₹2,250	Bank page
5	PVR INOX KotakKotak Mahindra Bank	₹2,700	₹499	₹2,201	Bank page
6	ZaggleAU Small Finance Bank	₹1,800	Free	₹1,800	Apply
7	Scapia Axis BankAxis Bank	₹1,800	Free	₹1,800	Apply
8	Kotak 811 Dream DifferentKotak Mahindra Bank	₹1,800	Free	₹1,800	Bank page
9	CRED IndusInd Bank RuPayIndusInd Bank	₹2,250	₹499	₹1,751	Bank page
10	Hello CashbackIDFC FIRST Bank	₹2,700	₹1,000	₹1,700	Apply

₹10,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹7,200	Free	₹7,200	Bank page
2	PhonePe SBI Card SELECT BLACKSBI Card	₹6,000	₹1,499	₹4,501	Bank page
3	IndiGo SBI Card ELITESBI Card	₹8,400	₹4,999	₹3,401	Bank page
4	PVR INOX KotakKotak Mahindra Bank	₹3,600	₹499	₹3,101	Bank page
5	Axis Bank HorizonAxis Bank	₹6,000	₹3,000	₹3,000	Apply
6	CheQ AUAU Small Finance Bank	₹3,000	Free	₹3,000	Bank page
7	Standard Chartered EaseMyTripStandard Chartered Bank India	₹3,000	Free	₹3,000	Bank page
8	Hello CashbackIDFC FIRST Bank	₹3,600	₹1,000	₹2,600	Apply
9	CRED IndusInd Bank RuPayIndusInd Bank	₹3,000	₹499	₹2,501	Bank page
10	ZaggleAU Small Finance Bank	₹2,400	Free	₹2,400	Apply

₹15,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹10,800	Free	₹10,800	Bank page
2	IndiGo SBI Card ELITESBI Card	₹12,600	₹4,999	₹7,601	Bank page
3	PhonePe SBI Card SELECT BLACKSBI Card	₹9,000	₹1,499	₹7,501	Bank page
4	Axis Bank HorizonAxis Bank	₹9,000	₹3,000	₹6,000	Apply
5	PVR INOX KotakKotak Mahindra Bank	₹5,400	₹499	₹4,901	Bank page
6	CheQ AUAU Small Finance Bank	₹4,500	Free	₹4,500	Bank page
7	Standard Chartered EaseMyTripStandard Chartered Bank India	₹4,500	Free	₹4,500	Bank page
8	Hello CashbackIDFC FIRST Bank	₹5,400	₹1,000	₹4,400	Apply
9	CRED IndusInd Bank RuPayIndusInd Bank	₹4,500	₹499	₹4,001	Bank page
10	Axis Bank AtlasAxis Bank	₹9,000	₹5,000	₹4,000	Apply

₹20,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹14,400	Free	₹14,400	Bank page
2	IndiGo SBI Card ELITESBI Card	₹16,800	₹4,999	₹11,801	Bank page
3	PhonePe SBI Card SELECT BLACKSBI Card	₹12,000	₹1,499	₹10,501	Bank page
4	Axis Bank HorizonAxis Bank	₹12,000	₹3,000	₹9,000	Apply
5	Hello CashbackIDFC FIRST Bank	₹7,200	Free	₹7,200	Apply
6	Axis Bank AtlasAxis Bank	₹12,000	₹5,000	₹7,000	Apply
7	PVR INOX KotakKotak Mahindra Bank	₹7,200	₹499	₹6,701	Bank page
8	CheQ AUAU Small Finance Bank	₹6,000	Free	₹6,000	Bank page
9	Standard Chartered EaseMyTripStandard Chartered Bank India	₹6,000	Free	₹6,000	Bank page
10	IndiGo SBI CardSBI Card	₹7,200	₹1,499	₹5,701	Bank page

₹30,000 a month on IndiGo
#	Card	Rewards a year	Annual fee	Net a year	Link
1	Paisabazaar PaisaSaveYES Bank	₹21,600	Free	₹21,600	Bank page
2	IndiGo SBI Card ELITESBI Card	₹25,200	₹4,999	₹20,201	Bank page
3	Axis Bank HorizonAxis Bank	₹18,000	₹3,000	₹15,000	Apply
4	Axis Bank AtlasAxis Bank	₹18,000	₹5,000	₹13,000	Apply
5	PhonePe SBI Card SELECT BLACKSBI Card	₹12,000	Free	₹12,000	Bank page
6	Hello CashbackIDFC FIRST Bank	₹10,800	Free	₹10,800	Apply
7	PVR INOX KotakKotak Mahindra Bank	₹10,800	₹499	₹10,301	Bank page
8	HSBC TravelOneHSBC India	₹14,400	₹4,999	₹9,401	Apply
9	IndiGo SBI CardSBI Card	₹10,800	₹1,499	₹9,301	Bank page
10	CheQ AUAU Small Finance Bank	₹9,000	Free	₹9,000	Bank page

Rewards a year: what the card pays back on IndiGo alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

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Questions

Which credit card gives the most back on IndiGo?

At ₹5,000 a month, Paisabazaar PaisaSave gives the most after its annual fee: about ₹3,101 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for IndiGo?

CheQ AU charges no annual fee and returns about ₹1,500 a year on ₹5,000 a month of IndiGo spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of IndiGo spends at each amount, then scaled to a year. Only IndiGo spends count towards the caps here; if your other spends share the same cap, you get less.

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