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State Bank of India · Mastercard, RuPay

SBI Card Miles Elite

6 travel credits/₹200 on travel and 2 travel credits/₹200 on other eligible spend

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SegmentSuper Premium
Joining fee₹4,999 + taxes
Annual fee₹4,999 + taxes
Reward typeTravel Credits

Reward categories

Eligible travel spend6 travel credits per ₹200

The issuer PDF also lists specific airline and hotel MCCs. Network MCC classification controls eligibility.

Other eligible spend2 travel credits per ₹200
Airline and hotel loyalty transfersPartner-specific transfer ratios

Transfers can take up to 21 days and are final; current partners and ratios are listed in the issuer reward PDF.

Welcome & milestones

Welcome

  • 5,000 travel creditsSpend ₹1,00,000 within 60 days of issuance and pay the joining fee

Milestones

  • Every ₹1,00,000 of eligible spend1 additional domestic airport lounge visit, capped at 15 additional visits per membership year
  • ₹12,00,000 in a membership year20,000 bonus travel credits
  • ₹15,00,000 in a membership yearRenewal-fee waiver

Lounge rules

Domestic: 8 complimentary domestic airport lounge visits per year, capped at 2 per quarter, plus milestone visits

International: 6 complimentary Priority Pass lounge visits per year, capped at 2 per quarter; complimentary membership for the first 2 years

Additional domestic visits are earned per ₹1 lakh spend and capped at 15 in a membership year.

Exclusions

Fuel (MCC 5172, 5541, 5542, 5983)Wallet loads (MCC 6540, 6541)Rent (MCC 6513)Education (MCC 8211, 8241, 8244, 8249, 8299)Utilities (MCC 4814, 4899, 4900, 9399)Insurance (MCC 5960, 6300, 6380)Quasi-cash and government paymentsBalance transfersCash advances and ATM withdrawalsEncashFlexipay and merchant EMIFees and finance charges

Recent changes

No effective-dated changes are currently recorded.

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