SBI Card MILES ELITE

The SBI Card MILES ELITE is SBI Card's modern flagship product aimed directly at India's premium frequent flyer demographic, competing with cards like Axis ATLAS and HDFC Regalia Gold. Its core engine is built on Travel Credits: earning 6 Travel Credits for every ₹100 spent on flight bookings, hotel reservations, and travel aggregators, and 2 Travel Credits per ₹100 on all other retail domestic and international spends. Crucially, Travel Credits convert at a 1:1 ratio to leading domestic and global airline partners (such as Air India Flying Returns, Etihad Guest, Singapore Airlines KrisFlyer, and Qatar Airways Privilege Club) via the dedicated SBI Card Miles portal, providing genuine air-miles flexibility without airline lock-in. International travelers benefit from a discounted foreign currency markup fee of 1.99% + GST, positioning it among the most economical travel cards for overseas expenditures. Lounge access is generous: 8 complimentary domestic airport lounge visits per year (2 per quarter) and 6 complimentary international Priority Pass lounge visits per year (max 2 per quarter). However, cardholders should assess two key hurdles: the annual spend waiver threshold is extraordinarily high at ₹15,00,000 (meaning most cardholders will pay the ₹4,999 annual fee), and welcome credits require spending ₹1 Lakh within 60 days of card setup. Who should consider it: High-spending business executives and frequent international vacationers who book flights and hotels directly and maximize airline frequent flyer transfer points. Who should look elsewhere: Spenders seeking simple statement cashback, or those with annual spends below ₹5 Lakhs.

Additional Cardholder Privileges

Mandatory Verification Documents