Welcome Benefits :- A joining bonus of 5,000 Travel Credits is offered with this card upon spending ₹1 lakh within 60 days of card issuance. As a welcome benefit, these bonus Travel Credits are extremely useful since they can be redeemed for up to ₹5,000 towards any stay or travel bookings. Once you have reached the spend threshold you shall receive these bonus Travel Credits within 15 days.

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Rewards & Benefits :- 

Movie & Dining

N/A

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Rewards Rate

6 Travel Credits for Every ₹200 Spent on Travel. 2 Travel Credits/₹200 Spent on All Other Purchases

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Reward Redemption

Travel Credits Can be Converted into Air Miles/Hotel Points, Travel Bookings or Redeemed for Catalogue Products

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Travel 

Complimentary Priority Pass Membership

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Domestic Lounge Access

8 Visits Each Year (Maximum 2 Per Quarter)

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International Lounge Access

6 Free Visits Each Year (Maximum 2 Per Quarter)

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Fees & Charges :- 

Spend-Based Waiver

Renewal fee can be waived by spending Rs. 15 lakh in a card anniversary year

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

1.99% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% Waiver (Maximum of ₹500 Per Month)

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Cash Advance Charges

Higher of Rs. 500 or 2.5% of the amount withdrawn.

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Product Details :- 

• Earn 6 Travel Credits for every ₹200 spent on travel.

• Earn 2 Travel Credits for every ₹200 spent on other eligible purchases.

• 5,000 Travel Credits as a joining benefit on spending Rs. 1 lakh within the first 60 days of card issuance.

• Free Priority Pass membership is offered.

• The SBI Card Miles Elite comes with travel insurance.

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Pros/Cons :-

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Pros

• For Travel Credit redemption there are many popular airlines and hotel partners. This card also offers a good conversion ratio.

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Cons

• Although this card offers many benefits for travelers, the reward-earning rate is quite inadequate. With this card, you can earn only 6 Travel Credits on each spend of ₹200.

• Many other cards offer more accelerated rewards.

• There are no additional benefits for movies or dining.