SBI Card Miles Elite: Features & Benefits

Summary

SBI Card Miles Elite is a premium travel credit card meant for frequent travelers who value comfort, rewards, and convenience. This card is packed with various features that help users save money during their travel while enjoying select benefits on domestic and international travel.

The most significant feature of this card is the Travel Credits you earn every time you shop. You get 6 Travel Credits for each ₹200 travel spent and 2 Travel Credits for each ₹200 spent on other transactions. The credits can be readily redeemed to make flight bookings and other travel-related transactions through the SBI Card portal for travel. Besides that, the card greets you with 5,000 Travel Credits as you spend ₹1 lakh in the first 60 days of card issuance.

The card also provides complimentary use of airport lounges — 8 domestic lounge visits and 6 international lounge visits annually, making travel more convenient for you. You are also provided with a complimentary two-year Priority Pass membership for even more convenient foreign travel.

Introduction

With the contemporary fast life, travel has become a part of our daily life. For leisure or business, individuals are traveling by air as never before. Along with this increasing trend, there is also an increase in the demand for credit cards used for travel. To meet the needs of frequent flyers, SBI Card launched a premium travel credit card called the SBI Card Miles Elite.

Above all, SBI Card Miles Elite possesses some characteristics that differentiate it from ordinary credit cards. It possesses some travel-related characteristics like airport lounge visitation without any cost, air miles rewards, and free membership. These are not only beneficial but also money savers when one travels. Additionally, the card is suitable for individuals who travel a lot and who prefer to earn air miles rather than cashback or shopping points.

Another excellent advantage of the SBI Card Miles Elite is that it offers reward points that are redeemable as air miles. This means, every time you reach for your card while spending—either to book a flight, have dinner at a restaurant, or go shopping—you earn reward points. These points can then be used to make bookings in various airlines. What you get, then, is the right to travel free of charge or at reduced fares, a big advantage to any traveler.

Furthermore, SBI Card Miles Elite has some exclusive privileges such as Priority Pass Membership, where you get to indulge in more than 1,000 airport lounges across the globe. This is a massive benefit to anyone looking for a great and comfortable experience before boarding a flight. Also, you also get access to domestic lounges, so Indian airports are now included in offering you luxury treatment too. Domestic and international travel becomes less trouble-prone and more enjoyable.

What is the SBI Card Miles Elite?

SBI Card Miles Elite is a high-end travel credit card provided by SBI Card. It is designed for regular tourists, both within and outside the country. This card assists customers in earning air miles and other travel-related privileges such as access to airport lounges, rewards for being a member, reduced hotel rates, etc.

Whenever you use this card, you accumulate reward points, which can be exchanged for air miles. With these air miles, you can reserve flight tickets so that travel not only saves money but becomes more rewarding too. In a nutshell, SBI Card Miles Elite is an intelligent and elite credit card meant for frequent fliers who prefer saving money spent on travel, as well as want exclusive benefits.

How is the design of the SBI Card Miles Elite?

The appearance of the SBI Card Miles Elite is sophisticated, modern, and high-end, similar to the card itself. Firstly, it has a metallic black and silver color combination that gives it an air of elegance and refinement. The card, when touched, feels premium and high-end, and is a good impression-giver.

Also, the card is plain and not cluttered, with the SBI Card and Visa or Mastercard logo positioned tastefully. The card also makes prominent the “Miles Elite” brand, reminding customers of its travel privileges. The design as a whole is not just pleasing to the eyes but also depicts the upscale lifestyle that comes with the card.

What are the benefits of the SBI Card Miles Elite?

It provides a set of benefits in travel, lifestyle, and security.

Travel Benefits

• Welcome Gift: Get 5,000 Travel Credits on ₹1,00,000 spends in 60 days from card activation.

• Reward Points: Get 6 Travel Credits on every ₹200 spent on travel transactions and 2 Travel Credits on every ₹200 spent on other categories.

Lounge Access:

• Domestic: 8 free domestic airport lounge access per year (max. 2 per quarter).

• International: 6 free international lounge visits annually with Priority Pass (2 per quarter limit).

• Priority Pass Membership: free for the initial 2 years, providing access to more than 1,000 lounges globally.

Milestone Benefits:

• Get 20,000 bonus Travel Credits on spends of ₹12 lakh annually.

• On each ₹1 lakh spent, receive a free domestic lounge visit (limited to 15 visits annually).

• Low Foreign Currency Mark-up: Send a lower foreign currency mark-up rate of 1.99% for foreign transactions.

Insurance & Security

Travel Insurance:

• Delay/loss of check-in baggage: ₹72,000.
• Delay of check-in baggage: ₹7,500.
• Loss of travel documents: ₹12,500.
• Damage to baggage: ₹5,000.

• Fuel Surcharge Waiver: Waiver of 1% on fuel spending between ₹500 and ₹4,000, with the maximum waiver of ₹500 per statement cycle.

• Contactless Payments: Facilitates easy and secure payments by just tapping the card on enabled machines.

What are the fees for the SBI Card Miles Elite?

Here is a simple breakdown of the  SBI Card Miles Elite fees.

Joining Fee	Rs. 4,999 + GST
Annual Fee	Rs. 4,999 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.50% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an SBI Card Miles Elite?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an SBI Card Miles Elite?

The documents that you will have to submit to get an Anaake MyTrip SBI Bank Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the SBI Card Miles Elite be used?

Here is the list of places where you can use it:

• With the SBI Card Miles Elite, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  SBI Card Miles Elite to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  SBI Card Miles Elite is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the SBI Card Miles Elite?

The credit amount you can spend is what you are provided to you with an SBI Card Miles Elite. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an SBI Card Miles Elite?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  SBI Card Miles Elite.

• Just hover your cursor on the  SBI Card Miles Elite and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  SBI Card Miles Elite.

• Request for the credit card application form of the  SBI Card Miles Elite. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  SBI Card Miles Elite by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI Card Miles Elite in 2025 be right?

Yes, getting an SBI Card Miles Elite in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In short, the SBI Card Miles Elite is a solid and premium credit card that gives great value for regular travelers. It is actually designed for individuals who love traveling to new locations, travel on business, or simply like traveling in style. From free access to airport lounges to collecting air miles on every purchase, this card streamlines your journey, makes it more comfortable, and rewarding.

One of the most wonderful benefits of the SBI Card Miles Elite is that it gives you Travel Credits to buy flight tickets from a multitude of airlines. This will save you plenty of money on flights. Furthermore, the card also offers welcome bonuses, milestone rewards, and priority lounge access in India as well as abroad. These benefits are perfect for whoever travels a lot by air and spends time at airports.

Besides, the card safeguards your travel insurance and safety. It provides you with protection in case your luggage is delayed or lost, or your travel documents are lost. Its minimal foreign transaction fee also saves you money when shopping or spending overseas. Therefore, it is an appropriate choice not just for domestic travelers but also international travelers.

Frequently Asked Questions (FAQ’s)