SBI
SBI MILES ELITE Credit Card
This is an invite only card
Top Benefits
Enjoy 8 Domestic + 6 International Lounge Visits Every Year
complimentary Priority Pass membership worth $99 free for the first 2 years, plus 1 extra domestic visit for every ₹1 lakh spent
Earn 6 Travel Credits per ₹200 on Travel
and 2 per ₹200 on all other spends, plus 20,000 bonus Travel Credits on annual spends of ₹12 lakh and annual fee
Best For
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹5,899 ( ₹4999 + GST )
Annual Fees
₹5,899 ( ₹4999 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Welcome 5,000 Travel Credits
- 6 Travel Credits ₹200 on travel and 2 ₹200 on other spends
- 8 domestic + 6 international airport lounge visits with complimentary Priority Pass ($99)
- milestone bonuses 20,000 credits at ₹12 lakh, +1 domestic lounge visit per ₹1 lakh, annual fee reversal at ₹15 lakh
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Shop & Smile Product
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
E-Wallet Loading
Rent
School Fee
Government Services
Utility Bills
Insurance
Quasi Cash
EMI
Balance Transfer
Cash Advance
ATM Withdrawals
Financial Charges
For Spends Waiver
Fuel
E-Wallet Loading
Rent
School Fee
Government Services
Utility Bills
Insurance
Quasi Cash
EMI
Balance Transfer
Cash Advance
ATM Withdrawals
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 1.99% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of 2% of the payment amount minimum ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹250 is levied when the outstanding is paid in cash over the counter | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Enjoy 8 Domestic + 6 International Lounge Visits Every Year
complimentary Priority Pass membership worth $99 free for the first 2 years, plus 1 extra domestic visit for every ₹1 lakh spent
Earn 6 Travel Credits per ₹200 on Travel
and 2 per ₹200 on all other spends, plus 20,000 bonus Travel Credits on annual spends of ₹12 lakh and annual fee
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