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Welcome Gift

A joining bonus of 5,000 Travel Credits is offered with this card upon spending ₹1 lakh within 60 days of card issuance. As a welcome benefit, these bonus Travel Credits are extremely useful since they can be redeemed for up to ₹5,000 towards any stay or travel bookings. Once you have reached the spend threshold you shall receive these bonus Travel Credits within 15 days.

Miles Reward Program

The SBI Card Miles Elite has a simple and straightway reward program. With this card, you can earn 6 Travel Credits for every ₹200 spent on travel. All other purchases shall be awarded 2 Travel Credits for every ₹200 spent. These Travel Credits are valid for a period of two years.

No Travel Credits shall be earned for transactions on the following-

• E-Wallet Loading
• Rent/Property Management
• Utility
• Insurance
• Quasi Cash

Where Can I Redeem My Travel Credits?

There is no maximum limit for Travel Credit redemption, but you need to have a minimum of 2,000 Travel Credits for redemption against various options.

Which Airlines/Hotels are available for Travel Credit Conversion?

With the Miles Elite Credit Card, you can convert your Travel Credit against a range of popular airlines mentioned below.

Given below are the partner hotels through which Travel Credits can be redeemed.

Please note that requests for transferring your travel credits will take up to 21 days to be processed. It is important to keep in mind that any points transfers are final and cannot be refunded or reversed. Once the transfer has been made, your points will be subject to the terms and conditions of the travel loyalty program you have chosen.

Spend Based Benefits

Both the primary cardholder and a guest can avail of additional domestic airport lounge visits, capped at 15 visits per membership year based on spend milestones. 

Free Domestic Airport Lounge Access

You are eligible to receive 8 free visits to domestic airport lounges every year, with a maximum of 2 visits allowed per quarter. Additional free domestic lounge visits can also be gained by achieving milestone spends. On spending ₹1 lakh customers shall be eligible for one free domestic lounge visit. The maximum limit for additional visits is set at 15. The list of airport lounges available with the SBI Miles Elite Rupay Credit Card is available here.

International Travel Benefits

The SBI Card Miles Elite has many attractive features, but one of the most beneficial is its international travel benefits. This card offers six complimentary international lounge visits each year, as well as a reduced foreign currency charge of 1.99%. Additionally, the card includes a complimentary Priority Pass membership worth $99, which provides access to over 1,000 international lounges. One of the unique conditions for the Priority Pass program is that it is applicable only to the primary card for a period of two years from card issuance after that it won’t be valid. All international lounge visits after the exhaustion of free visits shall be chargeable $27 + applicable taxes with the Priority Pass.

SBI Miles Elite on RuPay

The SBI Miles Elite Credit Card is also available on the RuPay network. This offers an edge above many other travel category credit cards as this card can be easily linked to UPI for making easy payments.

Insurance Cover

While traveling it’s good to have insurance which shall cover your expenses in any unforeseen circumstance. Flight cancellation cover offered with this card is extremely useful during any sickness, death, natural calamities, or any other unforeseeable circumstances. This is a premium cover usually offered with credit cards with a high joining charge. With the SBI Card Miles Elite you can stay free from any worries as it offers the following travel insurance.

Review of SBI Card Miles Elite

The SBI Card Miles Elite offers an array of travel benefits, including a generous welcome bonus, lounge access (both domestic and international), complimentary Priority Pass, and comprehensive travel insurance coverage. However, its rewards rate may feel lacking compared to some competitors. For example, the Axis Bank Atlas Credit Card is available at the same joining fee and offers a far more generous reward rate. Even the conversion ratio is quite good with the Atlas Card but the Miles Elite Card has far more partners available. 

Overall, it’s a good choice for frequent travelers who prioritize lounge access and insurance protection. This card has been designed especially for those who frequently travel. By being on the RuPay network, this card can be easily linked to UPI applications in addition to offering accelerated rewards on travel. Share your views on this card in the comments below.