2 pts / ₹100 · Up to 10 pts / ₹100 on Dining Departmental Grocery
Strong data Pairwise comparison
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SBI Card ELITE vs SBI Card Miles Elite Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the SBI Card ELITE and the SBI Card Miles Elite. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee ELITE ₹4,999 Waivable at ₹10,00,000 spendMiles Elite ₹4,999 Waivable at ₹15,00,000 spend
- Forex markup ELITE 1.99%Miles Elite 1.99%
- Domestic lounge ELITE 8/yearMiles Elite 8/year
Reward earning explained
Per card2 Travel Credits / ₹200 · Up to 6 Travel Credits / ₹200 on Travel
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (SBI Card ELITE: ₹4,999 vs SBI Card Miles Elite: ₹4,999), forex markup (1.99% vs 1.99%), or lounge access (8/year vs 8/year).
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Travel Tie Both cards are similar for travel
Forex markup is 1.99%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 1.99%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 8 per year.
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Rewards Tie Both cards are similar for rewards
SBI Card ELITE conservative base value ~0.5% vs SBI Card Miles Elite's ~0.3%. SBI Card Miles Elite conservative base value ~0.3% vs SBI Card ELITE's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI ELITE: ~₹250/month at base rate
- SBI Miles Elite: ~₹130/month at base rate
Illustrative only, using current base rates before caps.
| Field | ELITE SBI Card | Miles Elite SBI Card |
|---|---|---|
| Insurance — Air accident cover Only available for SBI Miles Elite | Not specified | ₹1 crore |
| Insurance — Lost card liability cover Only available for SBI Miles Elite | Not specified | ₹1 lakh |
| Insurance — Underwriter Only available for SBI Miles Elite | Not specified | Insured by ICICI Lombard General Insurance Company Limited |
| Lounge Access | ||
| Domestic lounge visits | 8/year | 8/year |
| International lounge visits | 6 per year | 6 per year |
| Forex / International Use | ||
| Forex markup | 1.99% | 1.99% |
| Fees | ||
| Recurring annual fee | ₹4,999 | ₹4,999 |
| Annual-fee waiver ₹10,00,000 vs ₹15,00,000 | ₹10,00,000 | ₹15,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit Only available for SBI Miles Elite | Not specified | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹500/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 2 pts / ₹100 vs 2 Travel Credits / ₹200 | 2 pts / ₹100 | 2 Travel Credits / ₹200 |
| Conservative base value ~0.5% vs ~0.3% | ~0.5% | ~0.3% |
| Earn ceiling 10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs Calendar-month cap: 15,000 Travel Credits shared across General spend & Travel | 10,000 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | Calendar-month cap: 15,000 Travel Credits shared across General spend & Travel |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹0.25 | ₹0.25 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
SBI Card ELITE
Verify with issuer , opens external siteSBI Card Miles Elite
Verify with issuer , opens external site