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SBI Card
SBI Card Miles ELITE
Visa
SBI Card Miles ELITE
SBI Card's top-tier travel/miles product (successor to the discontinued Etihad Guest Premier card) — 3X Travel Credits on travel spend, wide domestic and international lounge access, and one of SBI's lowest forex markups.
Rates and fees last verified 14 September 2026.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Premium
Reward rates by category
- Travel3%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–70
Benefits
- 5,000 welcome Travel Credits on Rs 1 lakh spend within 60 days of card issuance
- 8 domestic and 6 international airport lounge visits per year via Priority Pass
- Complimentary movie tickets worth up to Rs 6,000 per year
- Low 1.99% foreign currency markup on international spends
- Annual fee reversed on Rs 15 lakh spend in a membership year
Pros
- + Low 1.99% forex markup
- + 8 domestic + 6 international lounge visits
- + 3X Travel Credits on travel spend
Cons
- − High annual fee
- − Fee waiver needs Rs 15 lakh annual spend
- − Travel Credits carry no cash value
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.