SBI Card Miles Elite

Gaurav

SBI has launched three "Miles" credit cards for travelers, offering great rewards on travel-related purchases. You can earn Travel Credits with these cards, which can be used for things like Airmiles, Hotel Points, and booking travel services. The SBI Miles Elite Credit Card is the top-tier option, with a joining fee of ₹4,999. However, you get a welcome bonus of 5,000 Travel Credits if you spend ₹1 lakh within 60 days of receiving the card. These credits can be redeemed with partner airlines and hotels at a 1:1 ratio.

The Miles Elite Credit Card also gives you up to 8 free visits to domestic airport lounges in India. It’s perfect for international travelers too, offering a low forex fee of 1.99%, Priority Pass membership for worldwide lounge access, and free access to international lounges.

As a travel-focused card, it provides useful insurance benefits, like coverage for air accidents and lost baggage. The Miles Elite Credit Card is packed with features that can make your travel experience more comfortable and rewarding.

Credit Card Detail
SBI Card Miles Elite
Joining Fee
Rs. 4999.00 +GST
Renewal Fee
Rs. 4999.00 +GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
5,000 Travel Credits are rewards that can be used for flights, hotels, or travel bookings.
Apply Now
Rewards Rate
Earn 6 Travel Credits for every ₹200 spent on travel, and 2 Travel Credits for every ₹200 spent on other purchases.
Reward Redemption
You can convert Travel Credits into Air Miles, Hotel Points, travel bookings, or use them for products from the catalog.
Movie & Dining
N/A
Travel
Get a free Priority Pass Membership for airport lounge access.
Golf
N/A
Domestic Lounge Access
You can visit up to 8 times a year, with a maximum of 2 visits per quarter.
International Lounge Access
You get 6 free visits each year, with a limit of 2 visits per quarter.
Insurance Benefits
The card offers travel insurance, covering things like flight cancellations, lost baggage, and air accidents.
Interest Rates
The interest is 3.5% per month, which adds up to 42% per year.
Spend-Based Waiver
The annual fee is waived if you spend ₹15 lakh in a year.
Rewards Redemption Fee
₹99 + GST
Cash Advance Charges
A fee of 2.5% or ₹500, whichever is higher.
Foreign Currency Markup
1.99% +GST
Fuel Surcharge
You get a 1% discount, with a maximum of ₹500 per month.
Card Details
  • Get 6 Travel Credits for every ₹200 spent on travel.
  • Earn 2 Travel Credits for every ₹200 spent on other eligible purchases.
  • Receive 5,000 Travel Credits as a welcome bonus when you spend ₹1 lakh within the first 60 days.
  • Enjoy a free Priority Pass membership.
  • The SBI Card Miles Elite includes travel insurance coverage.
Pros/Cons
Pros
- You can redeem Travel Credits with many popular airlines and hotel partners, and the card offers a great conversion rate.
Cons
- While this card offers several travel benefits, the rewards rate is low, as you only earn 6 Travel Credits for every ₹200 spent. Other cards provide faster rewards. It also doesn’t offer extra benefits for movie or dining expenses. However, it does come with a welcome gift.
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Frequently Asked Questions

Is the SBI Card Miles Elite a contactless credit card?

Yes, the SBI Card Miles Elite is a contactless card powered by Mastercard technology. It gives great benefits on spending, rewards, and lounge access, making it ideal for frequent travelers.

How does the SBI Card Miles Elite work?

To use the card, look for the contactless symbol. Simply hold the card close to the reader (less than 4 cm) after the cashier enters the amount. No PIN is needed for transactions up to ₹5,000. A beep or green lights will confirm the transaction.

What happens if I switch from SBI Card Miles Elite to another SBI Credit Card?

If you switch to another SBI Credit Card, your Travel Credits will be turned into Reward Points and moved to your SBI account within two working days.

What happens to my reward points if I transfer to SBI Card Miles Elite from another SBI Card?

If you move to the SBI Card Miles Elite from another SBI Card, the reward points from your old card won’t be transferred to the new one.

How can I check my application status or get help with the SBI Miles Credit Card?

o track your application status or get assistance, you can visit the SBI website, contact customer service, or send an SMS to 5676791 from your registered mobile number.

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