Miles Elite Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: SBI Card
Network: Visa | Tier: Premium
Eearns Travel Credits convertible to miles, 8 domestic & 6 international lounge visits/year, low 1.99% forex markup
Why Choose the Miles Elite Credit Card?
The Miles Elite Credit Card is a Premium-tier Visa credit card issued by SBI Card, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Frequent travelers and business users. With a reward rate of 6 Travel Credits per ₹200 spent on travel; 2 Travel Credits per ₹200 on other spends. Credits convert 1:1 to airline miles. and an annual fee of ₹4,999, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with 5,000 Travel Credits upon spending ₹1 Lakh within 60 days, which adds immediate value in the first year and helps recover the ₹4,999 joining fee.
Miles Elite Credit Card Fees & Charges
| Annual Fee | ₹4,999 |
|---|---|
| Joining Fee | ₹4,999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 1.99% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Miles Elite Credit Card Rewards & Benefits
| Reward Rate | 6 Travel Credits per ₹200 spent on travel; 2 Travel Credits per ₹200 on other spends. Credits convert 1:1 to airline miles. |
|---|---|
| Welcome Bonus | 5,000 Travel Credits upon spending ₹1 Lakh within 60 days |
| Lounge Access | Priority Pass membership with 8 domestic (max 2/quarter) and 6 international lounge visits per year |
| Best For | Frequent travelers and business users |
Key Highlights of the Miles Elite Credit Card
- Eearns Travel Credits convertible to miles, 8 domestic & 6 international lounge visits/year, low 1.99% forex markup
- 6 Travel Credits per ₹200 spent on travel; 2 Travel Credits per ₹200 on other spends. Credits convert 1:1 to airline miles.
- Priority Pass membership with 8 domestic (max 2/quarter) and 6 international lounge visits per year
- Loss of baggage, passport, and flight delay coverage
- Up to 20,000 bonus Travel Credits on reaching annual spends of ₹12 Lakhs
Miles Elite Credit Card Eligibility Criteria
- Age: 21-65 years years
- CIBIL score: 750+
- Minimum income: ₹15,00,000/year
Minimum Income Required: ₹15,00,000/year
Advantages of the Miles Elite Credit Card
- Flexible points-to-miles conversion partners
- low forex markup (1.99%)
- excellent travel insurance cover
Drawbacks of the Miles Elite Credit Card
- Very high spend threshold (₹15 Lakhs) for annual fee waiver
- low reward rate on general retail spends
Miles Elite Credit Card — Frequently Asked Questions
What is the annual fee of the Miles Elite Credit Card?
The Miles Elite Credit Card has an annual fee of ₹4,999 and a joining fee of ₹4,999. New cardholders receive 5,000 Travel Credits upon spending ₹1 Lakh within 60 days as a welcome benefit, which helps offset the joining cost.
Does the Miles Elite Credit Card offer airport lounge access?
Yes — the Miles Elite Credit Card offers Priority Pass membership with 8 domestic (max 2/quarter) and 6 international lounge visits per year.
Who is eligible for the Miles Elite Credit Card?
The minimum income requirement is ₹15,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Miles Elite Credit Card?
The Miles Elite Credit Card earns 6 Travel Credits per ₹200 spent on travel; 2 Travel Credits per ₹200 on other spends. Credits convert 1:1 to airline miles.. It is best suited for Frequent travelers and business users.
Credit Cards Similar to the Miles Elite Credit Card
If you are considering the Miles Elite Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Expert Rating: 4.5/5