SBI Card Miles Elite
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Travel spends | 3% | ₹15,000/monthly |
| All other spends | 1% | No cap |
Redemption fee: 99
Managed via SBI Card travel portal, Airline and hotel transfer partners, Shop & Smile catalogue
Transfer partners
Live Offers
63 activeBenefits
Lounge Access
2 domestic visits/quarter
1.5 international visits/quarter
Complimentary Priority Pass membership worth $99. 8 complimentary domestic airport lounge visits a year and 6 international visits a year. On top of that, ONE additional domestic lounge visit is earned for every ₹1 lakh of spend, capped at 15 additional visits in a membership year — so a heavy spender can more than double the base entitlement.
Fuel Surcharge Waiver
1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India, capped at ₹100 per statement cycle per credit card account. Fuel spend earns no Reward Points.
Welcome Benefit
5,000 Travel Credits
Credited on spends of ₹100,000 within 60 days of card issuance.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹4,999/yr |
| Renewal Fee | ₹4,999/yr |
| Fee Waiver | Spend ₹15,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
