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STATE BANK
Travel Credits that transfer to airline and hotel partners, at a 1.99% forex markup.
One-time
Waived on ₹15,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromFlights
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Flights — 6 TC per ₹200 on Travel — Highest in Miles Series — Earn 6 Travel Credits per ₹200 (3% effective rate at 1:1) on ALL travel spends — flights, hotels, travel agencies — with no m…, with no stated cap.
Biggest limitation
The Rs. 4,999 annual fee is reversed only on annual spends of Rs. 15,00,000 — the highest threshold on any SBI card.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3%
uncappedFlights
6 TC per ₹200 on Travel — Highest in Miles Series — Earn 6 Travel Credits per ₹200 (3% effective rate at 1:1) on ALL travel spends — flights, hotels, travel agencies — with no m…
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹4,999 | — |
| Annual / renewal fee | ₹4,999 | Annual fee of Rs. 4,999 + GST is reversed on annual spends of Rs. 15,00,000 or more. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher. |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. | — |
| Foreign currency markup | 1.99% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹15,00,000 a year
is what it takes to keep the ₹4,999 fee off — about ₹1,25,000 a month
1% waiver. 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps across India; maximum benefit ₹500 per statement cycle (higher cap than Miles Prime)
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹12,00,000 a year — about ₹1,00,000 a month
20,000 bonus Travel Credits on annual spend of ₹12,00,000 (worth ₹20,000 as air miles at 1:1 — effectively recovering the annual fee) (Spend ₹12,00,000 in a membership year to get 20,000 bonus TCs. Credited after crossing milestone threshold.)
Spend ₹15,00,000 a year — about ₹1,25,000 a month
Annual fee reversal on ₹15,00,000 annual spend; 1 additional domestic lounge visit (primary + guest) per ₹1,00,000 spent — capped at 15 extra visits/year (Spend ₹15,00,000 in membership year for full ₹4,999 fee reversal. Extra lounge visits: 1 per ₹1L spend (primary + guest together), capped at 15 extra domestic visits per year — total possible up to 23 domestic visits.)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI Card Miles Elite Credit Card · this card | ₹4,999 | 3% flights | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹4,999 plus GST, waived on ₹15,00,000 of annual spend.
The strongest published rate is 3% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 8 complimentary domestic airport lounge visits per year, maximum 2 per quarter, via LoungeKey — no spend condition required. Additionally, 1 extra domestic lounge visit (primary cardholder + 1 guest) per ₹1 lakh spent, capped at 15 extra visits per membership year. Maximum total domestic visits: up to 23 per year for high spenders.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions Government institution payments No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions, government institution payments. No Travel Credits on: fuel, utility bills, insurance premiums, education fees, e-wallet loading, rent, property management, cash advances, quasi-cash transactions, balance transfers, balance transfer EMIs, card fees and charges, Flexipay, merchant EMIs, and any disputed transactions
STATE BANK publishes about ₹75,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Transferred to airline and hotel partners, Redeemed against travel bookings
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Annual fee of Rs. 4,999 + GST is reversed on annual spends of Rs. 15,00,000 or more.
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
SBI Card Miles Elite Credit Card — 3% on flights. ₹4,999 a year.