SBI Card MILES Elite Vs. SBI Card PRIME Advantage

SBI Card MILES Elite

SBI Card MILES Elite

SBI Card PRIME Advantage

SBI Card PRIME Advantage

Comparison of SBI Card MILES Elite and SBI Card PRIME Advantage

Feature	SBI Card MILES Elite	SBI Card PRIME Advantage
Annual Fee	₹4,999 + GST	₹0
Joining Fee	₹4,999 + GST	₹0
Welcome Benefits	Earn 5,000 Travel Credits worth ₹5,000 on spending ₹1,00,000 within 60 days of card issuance.	E-gift voucher worth ₹3,000 from Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.com
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	N/A	N/A
Key Highlights	•Welcome Bonus •Travel Rewards •Milestone Benefits •Airport Lounge Access •Annual Fee Reversal	•Annual Fee •Renewal Fee •Welcome Benefit •Milestone Benefits •Accelerated Rewards •Lounge Access •Birthday Benefit •Membership Benefits
Dos	Focus spending on travel bookings to earn 6 Travel Credits per ₹200 Pay the credit card bill in full before the due date to avoid interest charges Utilise international lounge access through Priority Pass for overseas travel Track the ₹1 lakh spend milestones to unlock additional domestic lounge visits Monitor spend progress towards ₹12 lakh for 20,000 bonus Travel Credits	Pay utility bills via standing instructions to maximise 20 points per ₹100 Use the card for dining and departmental store purchases to earn 10 points per ₹100 Access lounge benefits on your travels for a premium experience Redeem reward points as cashback for flexibility Celebrate your birthday month with accelerated spending for extra rewards
Don'ts	Avoid expecting rewards on fuel, wallet reloads, EMIs, and utility payments Do not miss the minimum payment to prevent late fees and credit score damage Forget to redeem Travel Credits within 24 months before they expire Overspend beyond repayment capacity just to achieve milestone benefits Share card details, CVV, OTP, or PIN with anyone, including those claiming to be from the bank	Avoid using the card for fuel transactions, as it earns no reward points Do not ignore the ₹99 reward redemption fee; plan redemptions strategically Avoid overspending beyond your repayment capacity Do not miss the monthly caps on utility bill rewards (3,000 points/month) Do not ignore late payment charges; pay on time to avoid penalties

Explore More Comparisons

BPCL SBI Card Octane vs SBI Card PRIME Advantage SBI Card MILES Elite vs SBI SimplySAVE UPI RuPay Credit Card BPCL SBI Card Octane vs SBI SimplyCLICK Credit Card HDFC Bank Millennia Credit Card vs SBI SimplyCLICK Credit Card HDFC Regalia Credit Card vs SBI Card PRIME Advantage SBI SimplyCLICK Credit Card vs SBI SimplySAVE UPI RuPay Credit Card InterMiles ICICI Bank Sapphiro Credit Card vs SBI Card MILES Elite Amazon Pay ICICI Credit Card vs Flipkart Axis Bank Credit Card