SBI Card · Premium
SBI Card MILES Elite
Earns SBI Card Travel Credits (MILES family)
Where it ranks across all 187 cards
#17 Flights
3.0%
direct
#17 Hotels
3.0%
direct
#35 Jewellery & watches
1.0%
direct
#42 Gaming
1.0%
direct
#46 Mobile / broadband
1.0%
direct
#54 Train tickets
1.0%
direct
#58 Cabs & transit
1.0%
direct
#59 Other
1.0%
direct
#61 Health & pharmacy
1.0%
direct
#64 Electronics
1.0%
direct
#73 Fashion
1.0%
direct
#74 Movies & events
1.0%
direct
#75 Online shopping
1.0%
direct
#76 Groceries
1.0%
direct
#76 Food delivery
1.0%
direct
#80 Dining out
1.0%
direct
14 Sep 2026 - Skywards miles expiry changes from 1 June 2027
Miles earned from 1 June 2027 expire three years from the flight or partner-activity date, rounded to the end of that month - replacing three years rounded to the end of your birthday month. Miles already in the account are not affected.
Source: Emirates Skywards programme updates (emirates.com) · read 23 Sep 2026
20 May 2026 - Skywards raised miles for First, Business and Premium Economy (20 May 2026)
Effective 20 May 2026, Emirates increased the Skywards miles required for Classic Rewards in First, Business and Premium Economy, and for Upgrade Rewards. At the same time it introduced one-way Business Saver Classic Rewards priced at 50% of the return fare. Economy Classic Rewards were not repriced. Check a route on the Emirates Miles Calculator before transferring.
Source: Emirates Skywards programme updates (emirates.com) · read 23 Sep 2026
Get an email if this card changes - sign in.
Bank page: 1 Travel Credit = Re. 1 to Air Miles / Hotel Points, Rs 0.50 for travel bookings. The transfer graph confirms the higher figure: Accor at 2:1 returns Rs 1.05 per Travel Credit.
Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹1.15/pt via Accor ALL (Live Limitless) at 2:1
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
2 pts / ₹200
source
Source: SBI Card MILES Elite card page - sbicard.com - read 21 Sep 2026
6 Travel Credits / Rs 200 on travel
3.00%this rule
6 pts / ₹200
how it works & source
SBI defines the accelerated lane as travel spends; we map it to flights and hotels only, which is the conservative reading.
Source: SBI Card MILES Elite card page - sbicard.com - read 21 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
2:1 ratio
5,000 ptsworth ₹10,500-₹11,500
Air Canada Aeroplan
1:1 ratio
10,000 ptsworth ₹8,000-₹22,000
Air France-KLM Flying Blue
1:1 ratio
10,000 ptsworth ₹7,000-₹20,000
British Airways Executive Club (Avios)
1:1 ratio
10,000 ptsworth ₹7,000-₹18,000
Cathay Asia Miles
1:1 ratio
10,000 ptsworth ₹7,000-₹20,000
Air India Maharaja Club
1:1 ratio
10,000 ptsworth ₹6,000-₹18,000
Thai Airways Royal Orchid Plus
1:1 ratio
10,000 ptsworth ₹5,000-₹12,000
Qantas Frequent Flyer
1:1 ratio
10,000 ptsworth ₹5,000-₹15,000
Travel Credits are the points of the SBI Card MILES family (MILES, MILES Prime, MILES Elite). SBI values them at ₹0.50 each for travel bookings, which is what the cards rank on; moving them 1:1 to an airline or hotel can be worth more.
Earns nothing on8 exclusions
Fuel
earns nothing
Fuel and service-station spends earn no Travel Credits.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Wallet load
earns nothing
E-wallet loading earns nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Rent
earns nothing
Rent and property-management payments earn nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Education
earns nothing
School and educational services earn nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8241, 8244, 8249, 8299
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Utility bills
earns nothing
Utility transactions earn nothing.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900, 4814, 4899
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Insurance
earns nothing
Insurance transactions earn nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 5960, 6300, 6380
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
Government / tax
earns nothing
Government and quasi-cash transactions earn nothing.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9399, 9222, 9311, 9402
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026
EMI
earns nothing
EMI transactions earn nothing: balance transfers, Flexipay, and merchant EMI taken at the point of purchase.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Cash advances and ATM withdrawals are excluded too.
categories: EMI
Source: SBI Card MILES Rewards Programme T&C (covers Miles, Prime and Elite) - sbicard.com - read 21 Sep 2026