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SimplifyCards take: For lounge access with a relatively low annual fee for travel, the SBI Card MILES ELITE is an excellent choice. While it's primarily a travel rewards card and not a cashback card, it aligns well with your need for lounge access and a manageable annual fee. This card offers 8 complimentary domestic lounge visits and 6 international lounge visits annually. It also features a competitive forex markup of 1.99% for international transactions. The annual fee for the SBI Card MILES ELITE is Rs 4999, which can be waived on annual spends of Rs 15 lakh. As an alternative, the IndiGo SBI Card ELITE also offers 8 domestic and 6 international lounge visits for the same annual fee of Rs 4999, but it is specifically tailored for IndiGo flight benefits.
Optimized for indigo and flights, featuring low 1.99% forex markup and complimentary lounge access.
Optimized for singapore airlines and international travel, featuring complimentary lounge access.
Optimized for travel and air miles, featuring low 1.99% forex markup and complimentary lounge access.
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| Feature | IndiGo SBI Card ELITE | KrisFlyer SBI Card Apex | SBI Card MILES ELITE |
|---|---|---|---|
| Best for | indigo, flights, travel | singapore airlines, international travel, travel | travel, air miles, hotel points |
| Reward rates | 2% - Base reward rate upto 7% - accelerated reward rate | 2.4% - Base reward rate upto 4% - accelerated reward rate | 1% - Base reward rate upto 3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 4,999 | Rs 9,999 | Rs 4,999 |
| Fee waiver spend | - | - | Rs 15 lakhs |
| Domestic lounge | 8 | 8 | 8 |
| International lounge | 6 | 8 | 6 |
| Forex markup | 1.99% | 3.5% | 1.99% |