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SBI Miles Elite
84/100 · ₹4,999/yr
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CARD HOLDER
YOUR NAME
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SBI Card
SBI Miles Elite
Mastercard, RuPay
Travel MASTERCARD, RUPAY Top Rated

SBI Miles Elite

by SBI Card · Data verified 2 days ago

Travel rewards card with Travel Credits, Priority Pass, low forex markup.

84
Score
Based on rewards, fees, benefits & eligibility
₹5K
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
8 per year Lounges
complimentary
₹4,999/yr
waiver available
84/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹4,999
Net Annual Value

You save per year!

What's Great

  • High 6 TC per Rs.200 on travel
  • Low 1.99% forex markup
  • Priority Pass with 6 international visits
  • 8 domestic lounge visits plus earn more via spend
  • Travel Credits worth Re.1 each

Things to Consider

  • High Rs.4,999 annual fee
  • Rs.15L spend needed for fee reversal
  • TC value drops for non-travel redemption

Perfect For

Frequent travelers Airline miles collectors International spenders

About This Card

SBI Card Miles ELITE offers 6 Travel Credits per Rs.200 on travel, 2 TC on other spends, Priority Pass with 6 international and 8 domestic lounge visits per year, 1.99% forex markup, milestone bonus of 20,000 TC on Rs.12L spend.
Annual Fee
₹4,999
Waiver
Reversed on Rs.15 lakh annual spend
Joining Fee
₹4,999
Reversed on ₹15 lakh annual spend

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
1.99%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹500/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹1,000
₹500
₹1,000.01-₹10,000
₹750
₹10,000.01-₹25,000
₹950
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹1.00
Point Value
0.00%
Cashback
Welcome Bonus
5,000 Travel Credits on ₹1 lakh spend within 60 days of card issuance

Milestone Rewards

20,000 Bonus Travel Credits on ₹12 lakh annual spends
Annual Fee reversal on ₹15 lakh annual spends
Additional Domestic Lounge Visit with every ₹1 lakh spend

Reward Earning by Category

Category Reward Rate Details
Travel BONUS 3 pts/₹100 6 Travel Credits per Rs.200 on travel spends
Other 1 pts/₹100 2 Travel Credits per Rs.200 on other retail spends
Point Value: 1 point = ₹1.00 | Redemption Fee: ₹99 + GST per request

Domestic Lounges

8 per year

Int'l Lounges

6 per year

Travel Insurance

₹100L cover

Fuel Savings

₹500/mo

Lost Card Cover

₹100,000

Add-On Card

Free

Dining

  • •Earn reward points/cashback on dining transactions

Shopping

  • •Reward points earned on all eligible purchases
  • •Contactless (tap-and-pay) enabled

Travel

  • •Loss of check-in baggage cover up to ₹72,000
  • •Delay of check-in baggage cover: ₹7,500
  • •Loss of travel documents cover up to ₹12,500
  • •Baggage damage cover up to ₹5,000

Special Offers & Features

  • •Additional domestic lounge visit per ₹1 lakh spend (capped at 15 visits/year)
  • •Forex markup: 1.99% + GST on international usage

EMI Options

  • •Flexipay EMI
  • •Balance Transfer On EMI
  • •Balance Transfer

Reward Transfer Partners

Maharaja Club
Executive Club
ALL
Flying Blue
Etihad Guest
Aeroplan
IHG Rewards
Frequent Flyer
Royal Orchid Plus

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
84 out of 100

CardSahayak Score

"Apply Now" takes you to SBI Card's official website.

Eligibility

Salaried ₹50,000/mo
Self-Employed ₹50,000/mo
Age 21-60 yrs
CIBIL 750+
Employment Salaried, Self-Employed
Card Variant Premium

Scores

Rewards 61/100
Fees 90/100
Benefits 56/100
Access 65/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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6 Active Offers

Deals & Offers

Exclusive offers available on SBI Miles Elite

Apple

Apple

Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.

15000
Till 31 Dec 2026 electronics
Discount
Up to ₹15,000 instant discount
Min Spend
₹50,000
Max Savings
₹15,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Apple Authorized Reseller (Imagine, Aptronix, Unicorn) or shop online at apple.com/in.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Terms & Conditions

Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.

Visit Offer
MakeMyTrip

MakeMyTrip

Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.

12
Till 31 Dec 2026 SBIMMT travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Launch MakeMyTrip mobile app or website.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Terms & Conditions

Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.

Use Code: SBIMMT
Visit Offer
Yatra

Yatra

Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.

4000
Till 31 Dec 2026 SBIYATRA travel
Discount
Up to ₹4,000 instant discount
Min Spend
₹7,500
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open yatra.com or Yatra mobile app.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Terms & Conditions

Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.

Use Code: SBIYATRA
Visit Offer
BookMyShow

BookMyShow

Enjoy cinematic blockbusters on the big screen with complimentary tickets. SBI Credit Cardholders get Buy 1 Get 1 free movie ticket up to ₹250 on BookMyShow.

500
Till 31 Mar 2031 entertainment
Discount
Buy 1 Get 1 Free (up to ₹250)
Min Spend
None
Max Savings
₹500
Valid Until
31 Mar 2031
How to Avail
Step 1: Open BookMyShow mobile app and choose movie, show, and 2+ seats.
Step 2: On checkout, click Unlock Offers or Apply Promocode.
Step 3: Select Credit Card Offers and choose SBI Card Movie Offer.
Step 4: Pay remaining balance using your SBI Credit Card to get 2nd ticket free up to ₹250.
Terms & Conditions

Valid for SBI Signature/Elite credit card customers. Up to ₹500 off per month (or 2 free tickets) on BookMyShow.

Visit Offer
Reliance Digital

Reliance Digital

Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.

₹5,000
Till 31 Dec 2026 shopping
Discount
Up to ₹5,000 Off
Min Spend
₹15,000
Max Savings
₹5,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Purchase appliances or electronics at Reliance Digital stores or reliancedigital.in.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.

Visit Offer
Croma

Croma

Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.

₹3,500
Till 31 Dec 2026 shopping
Discount
Up to ₹3,500 Off
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop online at croma.com or any physical Croma retail store.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about SBI Miles Elite

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹50,000/month min
  • • Self-employed: ₹50,000/month min
  • • CIBIL: 750+ recommended
The annual fee is ₹4,999. The fee can be waived by Reversed on Rs.15 lakh annual spend.
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹1.00. Welcome bonus: 5,000 Travel Credits on ₹1 lakh spend within 60 days of card issuance on activation! Redeem for flights, hotels, vouchers via SBI Card rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 8 per year
  • ✓ International: 6 per year
  • → 8 complimentary domestic airport lounge visits per year (max 2 per calendar quarter)
  • → 6 complimentary international airport lounge visits per year (max 2 per calendar quarter) via Priority Pass
  • → Earn 1 additional domestic lounge visit with every ₹1 Lakh spend milestone
  • • Instant: Pre-approved SBI Card customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for SBI Miles Elite today and unlock amazing rewards and premium experiences.

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