Travel · Mastercard / RuPay
Card Miles ELITE
By SBI · Mastercard / RuPay
₹4,999
+ GST
Annual Fee
FREE
Joining Fee
up to 3%
Best Rate
The Verdict
SBI's dedicated travel/miles card. Same fee as ELITE (₹4,999) but completely different value proposition — Travel Credits instead of Reward Points. 1 TC = ₹1 for air miles is excellent value. 6 TC/₹20...
Best Suited For
- Frequent travelers — 3% on travel (as miles) + 1.99% forex + Priority Pass + comprehensive travel insurance
- Miles collectors — Travel Credits convert 1:1 to airline miles / hotel points
- Heavy spenders — up to 23 domestic lounges/year (8 base + 15 spend-based)
- International travelers — 6 Priority Pass visits + lowest forex + baggage/flight cancel insurance
- Users wanting the most comprehensive travel insurance in SBI lineup
Welcome & Onboarding
Benefit 1
5,000 Travel Credits as Welcome Gift
Airport Lounge Access
Domestic
Yes
International
6 complimentary visits per year (max 2 per quarter)
Reward Rates
Travel Spends | 3% |
Base Spends | 1% |
Milestone Rewards
Every ₹1,00,000 spend
1 additional complimentary Domestic Airport Lounge visit
₹12,00,000 annual spends
20,000 Bonus Travel Credits (= ₹20,000 as miles)
₹15,00,000 annual spends
Annual fee reversal