SBI Card Miles Elite Review: The Ultimate Travel Companion for Frequent Flyers

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Are you a frequent traveler looking to earn rewards while making the most of your purchases? The SBI Card Miles Elite might Suitable card for you. Tailored for those who love to travel, this premium credit card offers a wide array of benefits that can enhance your travel experience—both at home and abroad.

With a welcome gift of 5,000 travel credits, exclusive lounge access, and the ability to earn Air Miles on every purchase, this card brings unparalleled value. Additionally, it offers a low foreign currency mark-up fee, complimentary insurance covers, and international lounge access through Priority Pass.

While the card comes with an annual fee of ₹4,999 + GST, the rewards and privileges it offers make it an exceptional choice for frequent flyers. Whether you’re traveling for business or leisure, the SBI Card Miles Elite promises to be the ultimate companion, turning every purchase into a step towards your next adventure.

Card Fees

Annual Fee: ₹4,999 + GST

Renewal Fee: ₹4,999 + GST

Reward Points

Earn 1 Travel Credit = ₹1 for Air Miles/Hotel Points

Convert Travel Credits to exclusive travel rewards!

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Welcome Gift

As a new cardholder, you’re in for a warm welcome! Spend ₹1,00,000 within the first 60 days of getting your SBI Card Miles Elite, and you’ll be rewarded with 5,000 Travel Credits. These credits are incredibly versatile—you can redeem them for Air Miles, Hotel Points, or use them for travel bookings. It’s the perfect way to kickstart your travel rewards journey.

Miles Rewards

The best part about the SBI Card Miles Elite is its Travel Credits program, which lets you earn and redeem rewards in multiple ways:

1 Travel Credit = ₹1 for Air Miles or Hotel Points.
1 Travel Credit = ₹0.50 for Travel Bookings.
1 Travel Credit = ₹0.25 for the Shop & Smile Product Catalogue.

Just keep in mind that Travel Credits aren’t earned on certain categories like fuel, EMI, wallet uploads, property rentals, utilities, and insurance.

Milestone Benefits

The SBI Card Miles Elite doesn’t just reward you for your first purchase—it keeps giving as you continue to spend:

Bonus Travel Credits: Earn 20,000 bonus Travel Credits when you hit ₹12 Lakh in annual spending.
Domestic Lounge Access: For every ₹1 Lakh you spend, you get 1 complimentary domestic airport lounge visit (beyond your regular complimentary visits). Plus, this benefit applies to both you and a guest, making it perfect for traveling with a loved one.

Lounge Program

You get 8 complimentary domestic lounge visits every year (with a maximum of 2 per quarter).
For every ₹1 Lakh spent, you earn 1 additional lounge visit—up to 15 visits per year.

International Lounge Access: Travel in Style

The Priority Pass Membership offers 6 complimentary international lounge visits every year (up to 2 visits per quarter) at lounges worldwide.
The membership fee is waived for the first two years, making it an amazing benefit for frequent flyers.

Insurance Cover

Traveling can be unpredictable, but with the SBI Card Miles Elite, you get several insurance covers that help ensure your safety:

Loss of Check-in Baggage: Covered up to ₹72,000.
Delayed Baggage: Covered up to ₹7,500.
Loss of Travel Documents: Covered up to ₹12,500.
Baggage Damage: Covered up to ₹5,000.

Other Travel Benefits

Low Foreign Currency Mark-up: A competitive 1.99% mark-up charge on international usage.
Fuel Surcharge Waiver: Get 1% fuel surcharge waiver across all petrol pumps (excluding taxes).

Worldwide Acceptance & Security

Whether you’re traveling locally or internationally, the SBI Card Miles Elite offers worldwide acceptance at over 24 million outlets, including 325,000 outlets in India. It’s also equipped with chip and PIN protection and contactless payments, ensuring safe and secure transactions wherever you go.

Fees and Charges: Simple and Transparent

Annual Fee: ₹4,999 + GST (one-time).
Renewal Fee: ₹4,999 + GST (per year).
Add-on Card Fee: Nil.

Travel Partners: Convert Your Travel Credits into Miles

Airline	Program Name	Conversion Ratio
Air Arabia	AA Rewards	2:1
Air Asia	AirAsia Rewards	1:1
Air Canada	Aeroplan	1:1
Air France-KLM	Flying Blue	1:1
Air India	Flying Returns	1:1
British Airways	Executive Club	1:1
Cathay Pacific	Cathay	1:1
Etihad Airways	Etihad Guest	1:1
Emirates	Emirates Skywards	2:1
Ethiopian Airlines	ShebaMiles	2:1
Japan Airlines	JAL Mileage Bank	2:1
Saudia (Saudi Arabian Airlines)	AlFursan	2:1
SpiceJet	SpiceClub	1:1
Thai Airways	Royal Orchid Plus	1:1
Turkish Airlines	Miles&Smiles	2:1
United Airlines	MileagePlus	2:1
Qantas Airways	Frequent Flyer	1:1
Qatar Airways	Privilege Club	2:1

SBI Card Miles Elite FAQs

What is the Welcome Gift for SBI Card Miles Elite?

You receive 5,000 Travel Credits as a welcome gift when you spend ₹1,00,000 within the first 60 days of card issuance.

2. How can I earn Travel Credits with the SBI Card Miles Elite?

You earn Travel Credits for every purchase made. These credits can be redeemed for Air Miles, Hotel Points, or Travel Bookings. Specifically, 1 Travel Credit = ₹1 for Air Miles or Hotel Points, and 1 Travel Credit = ₹0.50 for Travel Bookings.

3. How many Airport Lounge visits am I eligible for?

You get 8 complimentary Domestic Airport Lounge visits each year (max. 2 per quarter). Additionally, for every ₹1 Lakh spent, you can earn 1 extra lounge visit, capped at 15 visits per year.

4. What is the Priority Pass Membership benefit?

The SBI Card Miles Elite provides a Complimentary Priority Pass Membership, which gives you access to over 1,000 international airport lounges. You also get 6 complimentary international lounge visits every year (max. 2 visits per quarter).

5. Is there any fuel surcharge waiver with the SBI Card Miles Elite?

Yes, you get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at petrol pumps, with a maximum waiver of ₹500 per statement cycle.

6. What are the insurance covers provided with the card?

The card offers the following insurance benefits:
- Air Accident Liability Cover: ₹1 Crore
- Fraud Liability Cover: ₹1 Lakh
- Loss of Check-in Baggage: Up to ₹72,000
- Loss of Travel Documents: Up to ₹12,500

7. Are there any milestone benefits for spending on the card?

Yes, for every ₹1 Lakh spent, you receive 1 additional complimentary Domestic Airport Lounge visit. Also, if you spend ₹12 Lakh annually, you earn 20,000 Bonus Travel Credits.

8. Can I convert my Travel Credits into airline miles?

Yes, you can convert your Travel Credits into miles with several travel partners like Air India, Emirates, British Airways, and more, with a conversion ratio of 1:1 or 2:1 depending on the partner.

9. What is the annual fee for the SBI Card Miles Elite?

The annual fee is ₹4,999 + GST, and the renewal fee is the same. There is no fee for add-on cards.

10. How do I apply for an SBI Card Miles Elite?

You can apply for the card online through the official SBI Card website or visit an SBI branch. You will need to meet the eligibility criteria, such as a good credit score and a stable income.