SBI Miles Elite Credit Card — Rewards, Fees & Value
SBI Cards · visa · premium
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Transfer partners
Points can transfer to: air india flying returns, air france flying blue, british airways avios.
Key benefits
- 3X Travel Credits on all eligible spends (6X on travel)
- 25 airline and hotel transfer partners — most in India
- 1.99% forex markup — among lowest in India
- Priority Pass for international lounge access
- Domestic lounge access: 6 free visits + milestone bonus visits
- Annual fee waived on ₹15L spend
Calculate your exact points value, or let the Card Finder check whether the Miles Elite belongs in your stack.
FAQs
The SBI Miles Elite Credit Card earns up to 6% effective value on travel & flights and 3% on dining & food delivery. Its base rate is about 3%.
The Miles Elite has an annual fee of ₹4,999, waived on annual spends of ₹15,00,000 or more.
On the Miles Elite, one point is worth up to about ₹1 via its best redemption, or around ₹0.5 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with SBI Cards.