SBI Card
MILES ELITE Credit Card
SimplifyCards take:A good fit if you want a card built for travel, air miles, and hotel points
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Best for Travel SpendsBest for
6 Travel Credits / ₹200 spent
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Avoid if your spend is lowWatch out
The ₹ 4,999 fee waives only at ₹ 15 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for travel, air miles, and hotel pointsBottom line
It combines complimentary airport lounge access, a low 1.99% forex markup, and accelerated rewards on travel spends
Estimate your Travel Credits
Adjust your monthly spend to see the card's estimated annual value
How the card works
Travel Credits rates
| Category | Rate |
|---|---|
| Travel Spends | 6 Travel Credits / ₹200 spent |
| Other Eligible Spends | 2 Travel Credits / ₹200 spent |
Redemption
Statement balanceupto ₹ 0.25 per point
Travel portal bookingupto ₹ 0.5 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio | TAT |
|---|---|---|---|
| Air Arabia | AA Rewards | 2:1 | 21 days |
| AirAsia | AirAsia Rewards | 1:1 | 21 days |
| Air Canada | Aeroplan | 1:1 | 21 days |
| Air France-KLM | Flying Blue | 1:1 | 21 days |
| Air India | Flying Returns | 1:1 | 21 days |
| British Airways | The British Airways Club | 1:1 | 21 days |
| Cathay Pacific | Cathay | 1:1 | 21 days |
| Etihad Airways | Etihad Guest | 1:1 | 21 days |
| Emirates | Emirates Skywards | 2:1 | 21 days |
| Ethiopian Airlines | ShebaMiles | 2:1 | 21 days |
| Japan Airlines | JAL Mileage Bank | 2:1 | 21 days |
| Saudia | AlFursan | 2:1 | 21 days |
| SpiceJet | SpiceClub | 1:1 | 21 days |
| Thai Airways | Royal Orchid Plus | 1:1 | 21 days |
| Turkish Airlines | Miles&Smiles | 2:1 | 21 days |
| United Airlines | MileagePlus | 2:1 | 21 days |
| Qantas Airways | Qantas Frequent Flyer | 1:1 | 21 days |
| Vietnam Airlines | Lotusmiles | 1:1 | 21 days |
| Hotel group | Programme | Ratio | TAT |
|---|---|---|---|
| Accor | Accor - ALL | 2:1 | 21 days |
| IHG Hotels & Resorts | IHG One Rewards | 1:1 | 21 days |
| ITC Hotels | Club ITC | 2:1 | 21 days |
| Jumeirah Hotels & Resorts | Jumeirah One | 2:1 | 21 days |
| Orchid Hotels | Orchid Rewards | 1:1 | 21 days |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:1 | 21 days |
| Shangri-La Group | Shangri-La Circle | 6:1 | 21 days |
| Radisson Hotel Group | Radisson Rewards | 1:1 | 21 days |
Important conditions
1
Domestic lounge8 visits per year
- 8 complimentary domestic airport lounge visits every year, capped at 2 visits per quarter
- 1 additional domestic airport lounge visit is unlocked on every ₹1 lakh spend, capped at 15 additional visits per year, taking the total annual domestic lounge access up to 23 visits
2
International lounge6 visits per year
- Complimentary Priority Pass membership worth $99 is provided for the first 2 years
- 6 complimentary international airport lounge visits every year, capped at 2 visits per quarter
3
Milestone20,000 bonus Travel Credits on annual spends of ₹12 lakh
4
Fee waiverRenewal fee waived on annual spends of ₹ 15 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 5,000 Travel Credits on spends of ₹1 lakh within 60 days of card issuance, credited on payment of joining fee
Additional benefits
- Flight cancellation cover up to 6 times per year at ₹3,500 each
- Air accident cover up to ₹1 crore
- Lost card liability cover up to ₹1 lakh
- Loss of travel documents cover up to ₹12,500
- Loss of checked-in baggage cover up to ₹72,000
- Delay of checked-in baggage cover of ₹7,500
- 1% fuel surcharge waiver up to ₹500 per month on eligible fuel spends from ₹500 to ₹4,000
Additional details
- 1 Travel Credit = Re 1 for air mile or hotel point conversion
- 1 Travel Credit = ₹0.50 for travel bookings
- 1 Travel Credit = ₹0.25 for Shop & Smile product catalogue
Eligibility
Check this before you apply
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Exclusions
Spending that does not earn travel credits
- fuel
- utilities
- insurance
- rent
- wallet loading
- school and education services
- cash withdrawal
- cash advances
- merchant EMI and Flexipay transactions
- fees and charges
- quasi cash
- emi
- disputed transactions
Compare before you decide
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