SBI Card MILES Elite Vs. SBI SimplySAVE UPI RuPay Credit Card

SBI Card MILES Elite

SBI Card MILES Elite

SBI SimplySAVE UPI RuPay Credit Card

SBI SimplySAVE UPI RuPay Credit Card

Comparison of SBI Card MILES Elite and SBI SimplySAVE UPI RuPay Credit Card

Feature	SBI Card MILES Elite	SBI SimplySAVE UPI RuPay Credit Card
Annual Fee	₹4,999 + GST	₹499 + GST
Joining Fee	₹4,999 + GST	₹499 + GST
Welcome Benefits	Earn 5,000 Travel Credits worth ₹5,000 on spending ₹1,00,000 within 60 days of card issuance.	2000 bonus points on ₹2,000 spend within 60 days
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	•Exclusive Rewards on Everyday Spends •Welcome Bonus •UPI-Enabled Payments •Low Annual Fee •Fuel Surcharge Waiver
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	Use the card for online purchases to maximise reward points Pay your credit card bill on time to avoid interest Track your reward points and redeem them Opt for Flexipay or EMI on high-value purchases if needed Keep your card in a safe place and use contactless payments when possible
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 overspending beyond your repayment capacity Do not miss the minimum payment Ignore transaction alerts; they help prevent fraud Share card details with untrusted sources Use the card for cash advances unless necessary

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