SBI Miles Elite Credit Card 2025
Save up to ₹2,50,000+ every year with 50,000 miles, unlimited lounge & 1:1 airline transfers!
If you want the highest mile-earning + unlimited lounge card under ₹5K fee, the SBI Miles Elite Credit Card is currently the best premium travel card in India!
You get 50,000 bonus miles on joining, 1:1 transfer to Air India, Vistara, Etihad, Qatar, Singapore, Accor, ITC etc., unlimited lounge access worldwide (self + guest), 8 international + unlimited domestic lounge, low 1.99% forex markup, Taj Epicure membership, golf benefits, and ₹4,999 annual fee waived on ₹10 Lakh spend.
Miles never expire — perfect for business class redemptions!
Why This Is The Best Premium Miles Card Under ₹5K in 2025?
50,000 welcome miles • 1:1 transfer • Unlimited lounge self+guest • 8 intl lounge • Taj Epicure • 1.99% forex • Golf
Best for: Frequent flyers, international travellers, mile maximizers, Taj lovers
Fee Waiver – ₹4,999 waived on ₹10 Lakh annual spend
Card At a Glance
₹4,999 + GST
₹4,999 + GST (Waived on ₹10L)
50,000 Miles
Up to 5 Miles/₹100
Unlimited + 8 Intl
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹4,999 + GST |
| Annual Fee | ₹4,999 + GST (Waived on ₹10L spend) |
| Welcome Benefit | 50,000 Miles + Taj Epicure |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.75% per month |
Detailed Reward Rates (2025)
- 5 Miles per ₹100 on travel & dining
- 2 Miles per ₹100 on all other spends
- 1:1 transfer to Air India, Vistara, Etihad, Qatar, Singapore, Accor, ITC, Taj etc.
- Unlimited lounge access worldwide (self + guest)
- 8 international lounge visits per year
Airport Lounge Access
Unlimited lounge access worldwide for cardholder + 1 guest + 8 international visits per year
Insurance & Protection Benefits
- ₹5 Crore air accident cover
- ₹50 Lakh overseas medical cover
- Golf & concierge benefits
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 50,000 welcome miles | ₹4,999 annual fee |
| Unlimited lounge self + guest | High spend for fee waiver |
| 1:1 transfer to 15+ partners | |
| 8 international lounge visits | |
| Taj Epicure + golf |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹20 Lakh+ p.a.
- Credit Score: 780+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website → Miles Elite Card
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you spend ₹10 Lakh+ yearly and fly internationally, SBI Miles Elite gives you 50,000 miles + unlimited lounge unlimited + 1:1 transfer worth ₹2.5 Lakh+ every year. Still the best premium miles card under ₹5K fee in India — absolute beast!
Frequently Asked Questions (FAQs)
Welcome bonus?
50,000 miles + Taj Epicure membership.
Lounge access?
Unlimited worldwide for self + 1 guest.
Transfer partners?
1:1 to Air India, Vistara, Etihad, Qatar, Singapore, Accor, ITC, Taj etc.
Fee waiver?
Yes, ₹4,999 waived on ₹10 Lakh spend.