Club Vistara IDFC FIRST vs IndiGo SBI ELITE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IndiGo SBI ELITE Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.4/10 vs 8.1/10.
| Feature | Club Vistara IDFC FIRST | IndiGo SBI ELITE |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.4/10 |
| Annual Fee | ₹4,999 | ₹4,999 |
| Base Reward Rate | 0.8% | 1% |
| Max Reward Rate | 4% | 5% |
| Forex Markup | 2.99% | 1.99% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose IndiGo SBI ELITE
- You can meet the fee waiver condition: Spend ₹5L/year
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 4%
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: Club Vistara IDFC FIRST costs ₹3,528 in forex fees vs IndiGo SBI ELITE at ₹2,348. You save ₹1,180/year with IndiGo SBI ELITE.
Annual Fee Value Analysis
To break even on Club Vistara IDFC FIRST's ₹4,999 fee at 0.8% rewards, spend ₹52,073/month.
To break even on IndiGo SBI ELITE's ₹4,999 fee at 1% rewards, spend ₹41,658/month.