SBI Miles ELITE Credit Card
Updated 15 Apr 2026Source-linked
The SBI Miles ELITE Credit Card is a premium credit card from SBI Card, with a joining fee of ₹4,999 + GST.
It earns up to 6% back on travel online offline spends in the form of travel credits (miles).
Cardholders get 8 annual domestic + 6 annual international airport lounge access, plus 5,000 bonus travel credits as a welcome benefit.
SBI Miles ELITE Credit Card
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForTravel
- Reward TypeTravel Credits (miles)
Rewards Rate
- 6% on travel online offline
- Base 1.00% on other spends
Welcome Benefits
- 5,000 bonus Travel Credits
SBIworldpremiumRewards and Benefits
Rewards Rate
6% on travel online offline
Base 1.00% on other spends.
Reward Redemption
Flight / hotel bookings: Travel Credits redeemable against flights and hotels via SBI Card portal at 1 credit = ₹1.
Welcome Benefits
5,000 bonus Travel Credits
Milestone Rewards
- ₹10,00,000 / annual: 10,000 Travel Credits bonus
- ₹25,00,000 / annual: 25,000 Travel Credits bonus
Domestic Lounge Access
8 visits each annual.
International Lounge Access
6 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by SBI Card.
- Joining / annual fee of ₹4,999 + GST, waived on annual spends of ₹10,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual) + international (6/annual).
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 6% on travel online offline.
Cons
- No rewards on fuel spends.
₹5,000 welcome benefit
- 5,000 bonus Travel CreditsJoining fee paidWindow: 60 days from issuance.
Accelerated rewards
- 6% on travel online offline
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
Milestone benefits
- ₹10,00,000 / annual: 10,000 Travel Credits bonus (≈ ₹10,000 value)
- ₹25,00,000 / annual: 25,000 Travel Credits bonus (≈ ₹25,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
International
6 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.sbicard.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.