70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives
miles value depends on travel transfer planning and redemption timing
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For High spend travelers optimizing miles transfers. 1.3% on travel spend. ₹4,999 fee, waiver at ₹15,00,000 / year. Verify the lounge spend rule before applying.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
High spend travelers optimizing miles transfers
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: ₹2999
Annual fee: ₹1499
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹4,999
Waived on eligible annual spends of ₹1,500,000
Travel spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
10 domestic • 6 international policy count
- Source file: SBI Card Airport Lounge Access page (Set A lounges). - Participating lounge list effective 10 Jan'26. - Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard). Policy override notes: • Top-tier SBI MILES variant with broader travel and lounge positioning. • Spend-linked activation may still apply for parts of lounge usage under updated policy. • Cycle-level evaluation can apply; review latest eligibility matrix from SBI Card. • Guest access can vary by lounge and card program terms. • International lounge coverage is positioned as a core MILES ELITE travel benefit. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.