What are the main benefits of the SBI Card Miles Elite?

The SBI Card Miles Elite offers extensive lounge access, comprehensive travel insurance, low foreign currency markup, and flexible travel credit redemption options, making it ideal for frequent travelers.

How can I earn Travel Credits with my SBI Card Miles Elite?

With the SBI Card Miles Elite, you earn 6 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on all other purchases.

What is the joining fee for the SBI Card Miles Elite?

The joining fee for the SBI Card Miles Elite is ₹4,999 + GST. A welcome gift of 5,000 Travel Credits is offered upon meeting spend criteria.

Does the SBI Card Miles Elite offer complimentary lounge access?

Yes, the SBI Card Miles Elite provides 8 complimentary domestic lounge visits and 6 complimentary international lounge visits annually, plus additional domestic visits based on spends.

What are the travel insurance benefits included with the SBI Card Miles Elite?

The SBI Card Miles Elite includes coverage for flight cancellations, lost card liability, air accidents (until July 2025), lost/delayed baggage, and loss of travel documents.

Can I get a waiver on the annual fee for the SBI Card Miles Elite?

Yes, the annual fee for the SBI Card Miles Elite can be reversed if you spend ₹15 Lakh or more in a membership year.

What is the foreign currency markup on the SBI Card Miles Elite?

The SBI Card Miles Elite features a low foreign currency markup of 1.99% on all international transactions, making overseas spending more economical.

Is the SBI Card Miles Elite suitable for everyday spending?

While the SBI Card Miles Elite excels in travel, its base reward rate on general spends (2 Travel Credits per ₹200) might be considered modest compared to some other cards.

What are the milestone benefits for the SBI Card Miles Elite?

The SBI Card Miles Elite offers 20,000 bonus Travel Credits on ₹12 Lakh annual spend and additional domestic lounge visits for every ₹1 Lakh spent.

State Bank of India

SBI Card Miles Elite

Q: How do I redeem Travel Credits earned on my SBI Card Miles Elite?

You can redeem your SBI Card Miles Elite Travel Credits for airline miles, hotel points, travel bookings, or products from the Shop & Smile Catalogue.

TravelInternational SpendsPremium

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get 5,000 Travel Credits upon spending ₹1,00,000 within 60 days of issuance or joining fee payment.

Rewards Rate

Earn 6 Travel Credits for every ₹200 spent on travel & 2 Travel Credits for every ₹200 on other spends.

Reward Type

Travel Credits

Reward Redemption

Redeem Travel Credits for airline miles, hotel points, travel bookings, or Shop & Smile Catalogue.

Domestic Lounge Access

8 complimentary visits/year (max 2/quarter) + up to 15 additional visits based on spends.

International Lounge Access

Complimentary Priority Pass & 6 visits/year (max 2/quarter) for the first two years.

Premium Benefits

Not Applicable

Insurance Coverage

Covers flight cancellations, lost card, air accident, baggage loss/delay & travel documents.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Enjoy low 1.99% forex markup, comprehensive travel insurance & flexible Travel Credits redemption.

What matters, explained clearly

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Frequently Asked Questions

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