SBI Card
Premium · Miles Elite
SBI Miles Elite Credit Card
SBI Card
Earn 6 travel credits per ₹200 on travel with elite travel privileges
Annual Fee
₹4,999
Joining Fee
₹4,999
Reward Rate
1.0%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹29,101
Total Annual Benefits
₹35,000
Total Annual Charges
₹5,899
ROI
493%
Fee Waiver Available
Annual fee waived on spending ₹8 Lakh in the preceding year — ₹8,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
6 Travel Credits per ₹200 on Travel Spends
Earn 6 travel credits per ₹200 on travel bookings including flights, hotels, and holidays
- • Valid on travel bookings
6 TC per ₹200
Dedicated Travel Concierge
24/7 dedicated travel concierge for bookings, reservations, and travel planning
- • Available via phone and email
24/7 concierge
Reward Points (1)
2 Travel Credits per ₹200 on All Other Spends
Earn 2 travel credits per ₹200 on all other retail spends
2 TC per ₹200
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
- • Unlimited access at domestic airport lounges
Unlimited visits
₹1,25,000/yr
International Lounge Access
6 complimentary international airport lounge visits per year via Priority Pass
- • Access via Priority Pass membership
6 visits/year
₹21,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Travel Credits
2 TC per ₹200 (6X on travel)
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flight bookings (1 TC = ₹1)
- → Hotel bookings
- → Holiday packages
- → Travel portal
- → Airport transfers
Bonus Categories
Travel
3x multiplier
6 travel credits per ₹200 on travel spends
Milestone Bonuses
10,000 bonus travel credits on spending ₹8 Lakh annually
Spend ₹8,00,000 annually
10,000 Travel Credits
Additional 10,000 bonus travel credits on spending ₹15 Lakh annually
Spend ₹15,00,000 annually
10,000 Travel Credits
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹4,999 Excluding 18% GST |
| Annual Fee | ₹4,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹75,000
- • Self-Employed: Minimum ITR of ₹9 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Travel Insurance
₹10.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹50.0 L
Purchase Protection
₹1.0 L
90 days
- • Air accident cover: ₹50 Lakh
- • Travel insurance: ₹10 Lakh
- • Purchase protection: ₹1 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
- • Baggage delay/loss: ₹50,000
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
6 visits/year
Via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks Mastercard Lounge
- • Domestic: Unlimited complimentary visits
- • International: 6 complimentary visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹75,000
POS & E-Commerce / Day
₹7,50,000
Contactless / Txn
₹10,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Premium travel credits program Unlimited domestic lounge access International lounge via Priority Pass Travel insurance Dedicated concierge
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24, 36 months
Processing Fee
0.5%
Ready to Apply?
The SBI Miles Elite Credit Card is a premium travel card offering 6 travel credits per ₹200 on travel spends and 2 travel credits per ₹200 on all othe...
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