SBI Card Miles Elite: Your Key to Win Premium Travel Rewards
- 5 Dec 25
- 4 mins
SBI Card Miles Elite: Your Key to Win Premium Travel Rewards
- Top Travel Privileges on SBI Card Miles Elite
- Exclusive SBI Card Miles Elite Benefits
- Milestone Magic on the SBI Card Miles Elite
- Travel Insurance Cover on SBI Card Miles Elite
- 4 Ways to Redeem Your Travel Credit Earned on SBI Card Miles Elite
- Charges Applicable to the SBI Card Miles Elite
- Conclusion
Key Takeaways
- Earn up to 6 Travel Credits per ₹200 spent with the SBI Card Miles Elite.
- Enjoy 6 international and 8 domestic complimentary lounge visits annually.
- Receive 5,000 welcome Travel Credits and milestone bonuses up to 20,000.
- Get comprehensive travel insurance including ₹1 crore air accident cover.
- Redeem Travel Credits for flights, hotels, or products with flexible conversion rates.
Are you a frequent flyer? Then, make your air trips relaxing and rewarding with the SBI card Miles Elite. Being an air miles-centric card, this credit card offers 5,000 travel credits, 10+ lounge access and global redemption options. Scroll down to find out how much this card costs and what it brings to the table.
Top Travel Privileges on SBI Card Miles Elite

- 6 complimentary international lounge accesses
- 2 years of complimentary Priority Pass membership valued at $99
- 8 domestic lounge visits per year
- 1.99% markup on foreign currency for international usage
- 1% fuel surcharge waiver of up to ₹500 per month
Note: SBI Card Miles Elite lounge access is capped at 2 visits per quarter for both domestic and international airports. Dial 18605001290 or 39020202 (with Local STD code) for Priority Pass activation.
Exclusive SBI Card Miles Elite Benefits
The SBI card Miles Elite truly shines for its earning ability. Upon payment of the joining fee, 5,000 Travel Credits will be credited if you spend ₹1,00,000 within 60 days of card issuance.
Moreover, cardholders can also earn accelerated Travel Credits on every step. Take a look:
- 6 Travel Credits for every travel spend of ₹200
- 2 Travel Credits for other retail spend of ₹200.
Milestone Magic on the SBI Card Miles Elite
- 1 additional domestic lounge visit on annual spend of ₹1,00,000 each
- 20,000 bonus Travel Credits on yearly expense of ₹12,00,000
Note: The maximum number of additional lounge visits is capped at 15 per calendar year. Eligible cardholders will receive the voucher within 120 days of milestone achievement. The voucher can be redeemed at the SBI Card Lounge Pass Key Portal.
Travel Insurance Cover on SBI Card Miles Elite
- Up to 6 flight cancellations every year, each limited to ₹3,500
- Lost card liability up to ₹1,00,000
- Air accident cover up to ₹1,00,00,000
- Loss of check-in baggage up to ₹72,000
- Delay of check-in baggage up to ₹7,500
- Loss of travel documents up to ₹12,500
- Baggage damage covers up to ₹5,000
4 Ways to Redeem Your Travel Credit Earned on SBI Card Miles Elite
- Convert them into air miles to use them for flight booking at select airlines.
- Convert them into Hotel Points for partnered hotel bookings.
- Use your Travel Credits for travel bookings from the SBI Card reward redemption page.
- Use the Credit to shop from an array of products in the SBI Card Shop & Smile Catalogue.
Note:
- 1 Travel Credit equates to ₹1 for Air Mile / Hotel Point
- 1 Travel Credit equates to ₹0.50 for Travel Bookings
- 1 Travel Credit equates to ₹0.25 for Shop & Smile Product Catalogue
Pro Tip: Travel Credits can yield more value if redeemed against airline and hotel partners with a 1:1 conversion ratio. To make your selection, check out the exclusive travel partners of the SBI Miles Card Elite.
Charges Applicable to the SBI Card Miles Elite
The SBI Card Miles Elite annual fee and joining fee are ₹4,999 + GST. However, the renewal fee will be reversed if you spend ₹15,00,000 in the preceding calendar year. In addition to this, the SBI card Miles Elite is also subject to certain other charges, such as:
| Charges Type | Charges Amount |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
| Cash Payment Fee | ₹250 + applicable taxes (Except KVB SBI cardholders) |
| Finance Charges | 3.75% per month (45% per annum) |
| Late Payment Charges | ₹0 - ₹500 = NIL ₹501 - ₹1,000 = ₹400 ₹1,001 - ₹10,000 = ₹750 ₹10,001 - ₹25,000 = ₹950 ₹25,001 - ₹50,000 = ₹1,100 ₹50,001 and above = ₹1,300 |
💡Pay your credit card bills in an easy and secure way with the PICE App.
Conclusion
The SBI Card Miles Elite is a premium travel companion for frequent flyers, offering unmatched air mile rewards, global lounge access, and valuable travel insurance. With generous milestone bonuses, flexible redemption options, and exclusive privileges, the SBI Card Miles Elite ensures every journey is both rewarding and luxurious.
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