SBI Miles Elite Review: Is It Worth It for Travel Rewards in 2026?
Strong Travel card earning 3 points per ₹100 on travel, with ₹4,999 annual fee.
SBI Miles Elite fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹4,999 |
| Joining fee | ₹4,999 |
| Welcome bonus | 4,999 points |
| Fee waiver | Annual fee waived on 15L annual spend |
| Forex markup | 1.99% |
| Eligibility tier | Premium income (₹12-24L/year) |
SBI Miles Elite airport lounge benefits
| Type | Visits | Network | Conditions |
|---|---|---|---|
| Domestic | 8 | Domestic airport lounges | Included |
| International | 6 | Priority Pass | Included |
SBI Miles Elite earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 3 points per ₹100 |
| Dining | 1 point per ₹100 |
| Online | 1 point per ₹100 |
| Retail | 1 point per ₹100 |
| Fuel | 1 point per ₹100 |
| Other | 1 point per ₹100 |
SBI Miles Elite insurance coverage
- Flight ticket cancellation cover included
Where SBI Miles Elite points transfer
SBI Miles Elite has 26 transfer partners (18 airline, 8 hotel) verified from the official SBI Miles Rewards Program T&C dated February 2026. Singapore Airlines KrisFlyer is not a transfer partner on this card. British Airways Avios transfers at 1:1.
| Program | Type | Ratio |
|---|---|---|
| British Airways Executive Club (Avios) | Airline | 1:1 |
| Air India Flying Returns | Airline | 1:1 |
| Air Canada Aeroplan | Airline | 1:1 |
| Air France-KLM Flying Blue | Airline | 1:1 |
| Etihad Guest | Airline | 1:1 |
| Cathay Pacific Cathay | Airline | 1:1 |
| Qantas Frequent Flyer | Airline | 1:1 |
| Thai Airways Royal Orchid Plus | Airline | 1:1 |
| Vietnam Airlines Lotusmiles | Airline | 1:1 |
| AirAsia Rewards | Airline | 1:1 |
| SpiceJet SpiceClub | Airline | 1:1 |
| Emirates Skywards | Airline | 2:1† |
| Japan Airlines JAL Mileage Bank | Airline | 2:1† |
| Turkish Airlines Miles&Smiles | Airline | 2:1† |
| United Airlines MileagePlus | Airline | 2:1† |
| Air Arabia AA Rewards | Airline | 2:1† |
| Saudia AlFursan | Airline | 2:1† |
| Ethiopian Airlines ShebaMiles | Airline | 2:1† |
| IHG One Rewards | Hotel | 1:1 |
| Wyndham Rewards | Hotel | 1:1 |
| Radisson Rewards | Hotel | 1:1 |
| Orchid Rewards | Hotel | 1:1 |
| Accor Live Limitless | Hotel | 2:1† |
| ITC Hotels Club ITC | Hotel | 2:1† |
| Jumeirah One | Hotel | 2:1† |
| Shangri-La Circle | Hotel | 6:1† |
† Non-standard ratio. Source: SBI Miles Rewards Program T&C, sbicard.com, February 2026. Singapore Airlines KrisFlyer is not listed as a transfer partner on this card.
What SBI Miles Elite does well
- Solid earn rate: 3 points per ₹100 on travel spends
- Broadest transfer partner network of any Indian credit card: 26 programs (18 airline, 8 hotel) verified from official T&C
- 3 Travel Credits per Rs100 on travel spends (6 per Rs200)
- 3× points on dining, online & retail
- 6 domestic + 6 international lounge visits
Where SBI Miles Elite falls short
- Poor fuel earn rate — not suitable as a primary fuel card
- No milestone bonus for sustained spending
SBI Miles Elite connects to 26 transfer partners — the broadest ecosystem of any Indian credit card. British Airways Avios, Aeroplan, Flying Blue, Etihad, Qantas, and 21 more. Pick your destination and see what your points unlock.
SBI Miles Elite frequently asked questions
What is the annual fee for SBI Miles Elite?
SBI Miles Elite has an annual fee of ₹4,999 with a joining fee of ₹4,999. New cardholders receive 4,999 welcome bonus points.
What are the best spend categories for SBI Miles Elite?
SBI Miles Elite earns the highest rewards on travel spends at 3 points per ₹100. 5× reward points on all travel spends.
Which airline and hotel partners can I transfer SBI Miles Elite points to?
SBI Miles Elite transfers to 26 programs verified from the official SBI Miles T&C (February 2026). At 1:1: British Airways Avios, Air India Flying Returns, Aeroplan, Flying Blue, Etihad Guest, Cathay Pacific, Qantas, Thai Royal Orchid Plus, Vietnam Lotusmiles, AirAsia, SpiceJet SpiceClub, IHG, Wyndham, Radisson, Orchid Rewards. At 2:1: Emirates Skywards, JAL, Turkish Miles&Smiles, United MileagePlus, Air Arabia, Saudia AlFursan, Ethiopian ShebaMiles, Accor, ITC Hotels, Jumeirah One. At 6:1: Shangri-La Circle. Singapore Airlines KrisFlyer is not a transfer partner on this card.
Who should get the SBI Miles Elite card?
SBI Miles Elite is best suited for travel and airline miles spenders. Premium income (₹12-24L/year).