What is the annual fee for the SBI Card Miles Elite?

The annual fee for the SBI Card Miles Elite is ₹4,999. It can be waived on annual spends of ₹15,00,000.

Does the SBI Card Miles Elite offer airport lounge access?

Yes — the SBI Card Miles Elite offers 8 domestic per quarter lounge visits, 6 international per year lounge visits.

What rewards does the SBI Card Miles Elite earn?

It earns 1% on eligible spends as Reward Points.

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Card Miles Elite — SBI Credit Card | Card Manager

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SBI

Premium

•••• •••• •••• 0000

Card Miles Elite

VISA

Card Miles Elite

SBI • Visa• Premium

Available onVisaRuPayUPI

catalog

Annual Fee

₹4,999

Base Reward Rate

1.00%

Foreign Tx Fee

1.99%

Tier

Premium

Joining Fee

₹4,999

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

8 per quartermedium

✓ No activation spend required — access is unconditional.

+1 per ₹1L, cap 15/yr.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹150

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹7,080

Blended 1.13% effective return

Monthly spend₹52,000

Monthly earnings+₹590

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

5K Travel Credits on ₹1L in 60 days. 6 international PP visits/yr.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25 depending on redemption (cashback → flights/transfer).
1% base reward rate on all eligible spends. 2/₹200.
1.00%medium
Travel: 3% — 6 Travel Credits/₹200.
3.0%medium

—

6 per yearmedium

✓ No activation spend required — access is unconditional.

Forex

1.99% forex markup on international card transactions
1.99%

Travel

domestic via direct: 8 per quarter — no spend needed
8/quartermedium
international via direct: 6 per year — no spend needed
6/yearmedium

Payments

Joining fee: ₹4,999. Annual: ₹4,999.
₹4,999
Annual fee waived on spending ₹15,00,000 per year.
Spend ₹15,00,000
Milestone: spend ₹12,00,000/year → 20,000 Travel Credits on 12 Lakhs spend
+₹20,000 valuehigh