SBI Card MILES ELITE
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SBI's top transferable-points card: 3% back in Travel Credits on travel, 1:1 transfers to partners such as Air India, Qantas, Aeroplan and IHG, and a low 1.99% forex markup.
- Welcome offer
- 5,000 Travel Credits on spending ₹1 lakh within 60 days of paying the joining fee
- Annual fee
- ₹5,899 a year incl. GST (₹4,999 + GST; waived at ₹15 lakh annual spend)
- Rewards rate
- 6 Travel Credits per ₹200 on travel, 2 per ₹200 on other spends (cap 15,000 TC a month)
- Regular APR
- Interest is charged monthly; see the bank's fees page
- Recommended CIBIL score
- CIBIL 700+
- Forex markup
- 1.99% + GST
- Airport lounges
- Domestic programme; Priority Pass (international). 8 domestic a year (max 2 a quarter); 6 international a year (max 2 a quarter).
- Points go to
- SBI Card Travel Credits. Travel Credits on SBI Card MILES cards transfer to 16 airline and 8 hotel programmes (Orchid Rewards omitted here: ratio unclear in T&C); 1 TC = ₹1 as miles/points or ₹0.50 on travel bookings.
Airline transfer partners
- Air Arabia AA Rewards 2:1
- AirAsia Rewards 1:1
- Air Canada Aeroplan 1:1
- Air India Maharaja Club 1:1
- British Airways Club 1:1
- Cathay 1:1
- Emirates Skywards 2:1
- Ethiopian ShebaMiles 2:1
- JAL Mileage Bank 2:1
- Saudia AlFursan 2:1
- SpiceJet SpiceClub 1:1
- Thai Royal Orchid Plus 1:1
- Turkish Miles&Smiles 2:1
- United MileagePlus 2:1
- Qantas Frequent Flyer 1:1
- Vietnam Airlines Lotusmiles 1:1
- Accor ALL 2:1
- IHG One Rewards 1:1
- Club ITC 2:1
- Jumeirah One 2:1
- Wyndham Rewards 1:1
- Shangri-La Circle 6:1
- Radisson Rewards 1:1
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