Which card has a lower forex fee: SBI Card ELITE or SBI Card Miles Elite?

Both cards have the same forex markup (1.99%).

Which card has a lower annual fee: SBI Card ELITE or SBI Card Miles Elite?

Both cards have the same annual fee (₹4,999).

Which card offers better lounge access?

SBI Card ELITE: 8 per year domestic lounge. SBI Card Miles Elite: 8 domestic + 6 international lounge visits/year.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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.

Quick comparison

Three core metrics

ELITE SBI Card

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 1.99%
Domestic lounge 8/year

Miles Elite SBI Card

Annual fee ₹4,999 Waivable at ₹15,00,000 spend
Forex markup 1.99%
Domestic lounge 8/year

Reward earning explained

Per card

ELITE

2 pts / ₹100 on General spend

Limited data

Miles Elite

2 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start 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).

Travel Tie

Both cards are similar for travel

Forex markup is 1.99%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 1.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8 per year.
Rewards Tie

Both cards are similar for rewards

Base earn is 2 pts per ₹100. Estimated base reward value is ~1% on base spend.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

SBI Miles Elite: ~₹1,000/month at base rate
SBI ELITE: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ELITE SBI Card	Miles Elite SBI Card
Lounge Access
Domestic lounge visits	8/year	8/year
International lounge visits	6/year	6/year
Forex / International Use
Forex markup	1.99%	1.99%
Fees
Annual fee	₹4,999	₹4,999
Joining fee	₹4,999	₹4,999
Fee waiver spend ₹10,00,000 vs ₹15,00,000	₹10,00,000	₹15,00,000
Rewards
Points per ₹100	2 pts	2 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI Miles Elite	Not specified	₹1
Point validity Only available for SBI Miles Elite	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.