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SBI Card MILES ELITE
SBI • Visa

SBI Card MILES ELITE

Premium SBI travel card focused on high travel earn rates, lounge access, and partner transfers.

Annual Fee₹4999Waived on INR 10L annual spend
Base Reward1.5%On all spends
Lounge Access1610 domestic • 6 intl
Est. Annual Savings₹-2,538Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual fee₹4,999

Waived on INR 10L annual spend

Net value₹401

Estimated savings per year.

Fee waiver target: ₹10,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
5.0%
International
2.0%
Basedefault
1.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • SBI Card MILES ELITE is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 5.0% on travel-aligned lanes, while broad base return remains closer to 1.5%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 4,999 and reduce allocation if annual net value weakens.

Watchouts

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹4,999
  • Annual fee₹4,999
  • Waiver threshold₹10,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count10
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports7
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+26 more lounge visits in current datasetEstimated +₹5,158/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+14 more lounge visits in current datasetEstimated +₹4,550/yr value
View Details
Step 3

Club Vistara SBI Card PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+14 more lounge visits in current datasetEstimated +₹1,519/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI Card MILES ELITE using your current period spend.

₹0 spent₹25 target

Policy signal used: - 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.

Spend threshold

Spend-linked activation may still apply for parts of lounge usage under updated policy.

Quarter / cycle rule

Cycle-level evaluation can apply; review latest eligibility matrix from SBI Card.

Guest access

Guest access can vary by lounge and card program terms.

Priority Pass

International lounge coverage is positioned as a core MILES ELITE travel benefit.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Highest travel earn in SBI MILES series
  • Airport lounge access across domestic and international routes
  • Premium lounge and travel privileges with issuer/network specific conditions
  • Travel Credit and transfer partner redemptions
  • Milestone travel rewards for high annual spend

Things to Consider

  • High annual fee and steep waiver threshold
  • Best value requires active transfer and redemption planning
  • Program conditions can change for lounge qualification and guest access

About SBI Card MILES ELITE

SBI Card MILES ELITE is a miles card from SBI, best for high spend travelers optimizing miles transfers. It is tagged under travel, premium, rewards, international categories in our database.

TravelPremiumRewardsInternational

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Frequently asked questions

Is SBI Card MILES ELITE lifetime free?

It has an annual fee of ₹4999. Waived on INR 10L annual spend

What rewards does SBI Card MILES ELITE offer?

Premium SBI travel card focused on high travel earn rates, lounge access, and partner transfers.

Does SBI Card MILES ELITE include lounge access?

SBI Card MILES ELITE lists 16 lounge visits (10 domestic, 6 international).

Who should consider SBI Card MILES ELITE?

High spend travelers optimizing miles transfers

Where can I apply for SBI Card MILES ELITE?

Check the issuer website for application availability.