HDFC InterMiles Signature vs IndiGo SBI ELITE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.4/10 — your spending pattern decides the winner.
| Feature | HDFC InterMiles Signature | IndiGo SBI ELITE |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.4/10 |
| Annual Fee | ₹2,500 | ₹4,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 6% | 5% |
| Forex Markup | 2% | 1.99% |
| Domestic Lounges | 16 | 8 |
| International Lounges | 5 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 6% vs 5%
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: travel, miles
When to Choose IndiGo SBI ELITE
- You can meet the fee waiver condition: Spend ₹5L/year
- You travel internationally — saves ₹10/year on ₹1L forex spend
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC InterMiles Signature costs ₹2,360 in forex fees vs IndiGo SBI ELITE at ₹2,348. You save ₹12/year with IndiGo SBI ELITE.
Annual Fee Value Analysis
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.
To break even on IndiGo SBI ELITE's ₹4,999 fee at 1% rewards, spend ₹41,658/month.