About SBI Card Miles Elite
SBI Card Miles Elite is the top-tier option among SBI’s non co-branded travel credit cards and is available at an annual fee of ₹4,999. This SBI Card offers accelerated rewards on travel spends, along with a point-to-mile conversion ratio of up to 1:1, helping frequent travellers maximise their savings.
The card also comes with a low forex mark-up, complimentary domestic and international lounge access, and benefits like flight cancellation cover and travel insurance. Overall, it is a strong choice for users who travel often and want a premium travel-focused credit card with comprehensive benefits.
Also Read: Best Premium Credit Cards
SBI Card Miles Elite Rewards Program
Rewards Program
- Earn 6 Travel Credits per ₹200 on travel spends and 2 credits per ₹200 on other spends
- Redeem 1 Travel Credit = ₹1 for air miles or hotel loyalty points
- Redeem 1 Travel Credit = ₹0.50 for travel bookings
- Redeem 1 Travel Credit = ₹0.25 for products via Shop & Smile
Travel Partners
- 1:1 conversion with airlines & hotels like Air India, British Airways, Etihad, Air France-KLM, Radisson, IHG and more
- 2:1 conversion with Emirates, Qatar Airways, Turkish Airlines, Accor, ITC Hotels and others
- 6:1 conversion with Shangri-La Group
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Bonus
- Get 5,000 Travel Credits on ₹1 lakh spend within 60 days
Milestone Benefits
- Get 1 additional domestic lounge visit on every ₹1 lakh spend
- Earn 20,000 bonus Travel Credits on ₹12 lakh annual spends
- Get annual fee waived on ₹15 lakh annual spends
Also Read: Best Milestone Benefits Credit Cards
Lounge Access
- Get complimentary Priority Pass membership for first 2 years
- Enjoy 6 international lounge visits per year (max 2 per quarter)
- Get 8 domestic lounge visits per year (max 2 per quarter)
Also Check: Best Lounge Access Credit Cards
Forex Benefit
- Enjoy low forex mark-up fee of 1.99% on international spends
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹500 per month
Insurance Benefits
- Get up to 6 flight cancellation covers (₹3,500 each)
- Air accident cover up to ₹1 crore
- Lost card liability cover up to ₹1 lakh
- Cover for loss of travel documents up to ₹12,500
- Baggage loss cover up to ₹72,000
- Baggage delay cover up to ₹7,500
- Baggage damage cover up to ₹5,000
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 4,999 + Applicable Taxes |
| Forex Mark-up Fee | 1.99% |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Charges | | On outstanding balance of – | | | Up to Rs. 500 | Nil | | More than Rs. 500 up to Rs. 1,000 | Rs. 400 | | More than Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | More than Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI Card Miles Elite
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Card Miles Elite Highlights
What do we like about this card?
- Get complimentary Priority Pass membership for first 2 years
- Enjoy 6 international lounge visits per year (max 2 per quarter)
- Get 8 domestic lounge visits per year (max 2 per quarter)
- Get 1 additional domestic lounge visit on every ₹1 lakh spend
- Earn 20,000 bonus Travel Credits on ₹12 lakh annual spends
- Get annual fee waived on ₹15 lakh annual spends
- Enjoy low forex mark-up fee of 1.99% on international spends
- Earn 6 Travel Credits per ₹200 on travel spends and 2 credits per ₹200 on other spends
- Get 5,000 Travel Credits on ₹1 lakh spend within 60 days
- Get 1% fuel surcharge waiver up to ₹500 per month
Things to Know Before you apply
Get this card if:
- You travel frequently and want strong rewards on travel spends
- You can spend enough to unlock milestone benefits and maximize savings
- You want a good point-to-mile conversion for travel bookings
- You prefer a travel card without any brand-specific tie-ups
Pros
- Accelerated rewards on travel spends
- Up to 1:1 point-to-mile conversion ratio
- Complimentary airport lounge access without spend condition
- Low forex mark-up fee of 1.99%
Cons
- Priority Pass membership available only for the first 2 years
- Lower reward rate compared to other travel credit cards
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
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Frequently Asked Questions
Travel credits are valid for 2 years from the date they are credited to your account.
You can view your travel credits in the Rewards section of your SBI Card account, where details like earned, used, and remaining credits are shown.
Yes, you can convert eligible transactions into EMIs, but interest and processing charges will apply.
You can maximise rewards by using the card for travel bookings, spending through the SBI travel portal, and meeting milestone spend targets.
You will not earn travel credits on spends like cash withdrawals, balance transfers, EMI conversions, wallet loads, fuel, rent, or utility payments.
