All cards / SBI Card
SBI Card Miles ELITE
SBI Card Miles ELITE is SBI's top-tier travel and miles product, positioned as the successor to the discontinued Etihad Guest Premier card. It earns 3X Travel Credits on travel spend, pairs that with 8 domestic and 6 international lounge visits via Priority Pass, and carries one of the lowest forex markups in SBI's lineup at 1.99% — a meaningful edge for cardholders who spend abroad regularly. The high fee is steep, but it's fully reversible for cardholders who can consistently cross Rs 15 lakh in annual spend.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
miles
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary movie tickets worth up to Rs 6,000 per year via BookMyShow offers
- Rewards rate: 1% base rate
- Domestic lounge access: 8 domestic and 6 international airport lounge visits per year via a bundled Priority Pass membership
- International lounge access: 8 domestic and 6 international airport lounge visits per year via a bundled Priority Pass membership
Benefits by category
- ✈️ Travel
3% reward rate · 8 domestic and 6 international airport lounge visits per year via a bundled Priority Pass membership
- 🌍 Forex / international spend
Low 1.99% foreign currency markup on international spends, among the lowest across SBI's card lineup · 1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹15,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 1.99%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 5,000 welcome Travel Credits on crossing Rs 1 lakh spend within 60 days of card issuance
- 8 domestic and 6 international airport lounge visits per year via a bundled Priority Pass membership
- Complimentary movie tickets worth up to Rs 6,000 per year via BookMyShow offers
- Low 1.99% foreign currency markup on international spends, among the lowest across SBI's card lineup
- Annual fee fully reversed on crossing Rs 15 lakh spend within a membership year
Pros
- + Low 1.99% forex markup, among the best in SBI's card lineup
- + 8 domestic + 6 international lounge visits via Priority Pass
- + 3X Travel Credits on travel spend
- + Up to Rs 6,000 in complimentary movie tickets annually
- + 5,000 welcome Travel Credits on early spend after issuance
Cons
- − High annual fee relative to most travel cards
- − Fee waiver needs a demanding Rs 15 lakh annual spend
- − Travel Credits carry no cash redemption value
Best for
Related guides