Find my best card →
faayda.com › compare › SBI Card MILES vs SBI Card Miles ELITE
Comparison · हिन्दी

SBI Card MILES vs SBI Card Miles ELITE

Both cards compared on real rupee returns for SBI Miles vs Miles Elite which tier worth it travel card India. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
SBI
CARD MILES
ASHOK KUMAR
VS
SBI
CARD MILES ELI
ASHOK KUMAR
Our verdict
SBI Card Miles ELITE wins for most people
Card B wins with ₹2,681 annual benefit versus Card A's ₹1,291, delivering 108% more value. The higher fee is offset by superior rewards on your travel-heavy spend and welcome bonus.
Side-by-side comparison
SBI Card MILES SBI Card Miles ELITE ✓
Annual benefit ₹1,291 ₹2,681
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹6,00,000/year spend) ₹4,999 + taxes (waived on ₹15,00,000/year spend; 5,000 TC welcome = ₹5,000, offsets fee)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 Travel Credits per ₹200 on travel spends (0.5%); 1 Travel Credit per ₹200 on all others (0.25%); 25 airline/hotel transfer partners 6 Travel Credits per ₹200 on travel spends (1.5%); 2 TC on all others (0.5%); 1 TC = ₹1 for 1:1 air mile transfer; 25 airline/hotel partners; 1.99% forex
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter); 2 international visits/year (1 per quarter) via Priority Pass 8 domestic + 6 international visits/year via Priority Pass; additional domestic visits per ₹1L spend
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 1.99%
Best for Entry-level airline-agnostic travel card with 25 transfer partners at the lowest fee Frequent international travellers wanting flexible airline miles and premium travel perks
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹50,000+/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI Card MILES
Choose Card A if you spend under ₹50,000 monthly or prioritize minimal fees. Its lower annual cost and simpler rewards structure suit occasional travelers avoiding premium commitments.
SBI Card Miles ELITE
Choose Card B if travel comprises over 60% of your spending, as it does here. The 3x higher travel rewards rate and forex benefits justify the premium fee for frequent international trips.
Who should get which card
Get SBI Card MILES if you…
· Budget-conscious travelers wanting basic travel rewards
· Those spending under ₹50,000/month with minimal travel needs
· Preference for lower annual fee without premium features
Get SBI Card Miles ELITE if you…
· Travel makes up majority of your ₹58,000 monthly spend
· Frequent international travelers needing flexible airline transfers
· Value premium perks like forex rates and higher rewards multipliers
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
SBI Card Miles ELITE vs Axis Bank Atlas →SBI Card MILES vs IRCTC SBI Card Premier →Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →
Frequently asked questions
Based on our analysis, SBI Card Miles ELITE offers better annual returns for most spend profiles.
SBI Card MILES has an annual fee of ₹1,499 + taxes (waived on ₹6,00,000/year spend). SBI Card Miles ELITE has an annual fee of ₹4,999 + taxes (waived on ₹15,00,000/year spend; 5,000 TC welcome = ₹5,000, offsets fee).
SBI Card MILES offers 2 Travel Credits per ₹200 on travel spends (0.5%); 1 Travel Credit per ₹200 on all others (0.25%); 25 airline/hotel transfer partners. SBI Card Miles ELITE offers 6 Travel Credits per ₹200 on travel spends (1.5%); 2 TC on all others (0.5%); 1 TC = ₹1 for 1:1 air mile transfer; 25 airline/hotel partners; 1.99% forex.
SBI Card MILES lounge access: 4 domestic visits/year (1 per quarter); 2 international visits/year (1 per quarter) via Priority Pass. SBI Card Miles ELITE lounge access: 8 domestic + 6 international visits/year via Priority Pass; additional domestic visits per ₹1L spend.
SBI Card MILES charges 3.5% forex markup. SBI Card Miles ELITE charges 1.99% forex markup.