Vyaya
Side-by-Side Comparison|Updated March 2026

Etihad Guest SBI Card vs SBI Card MILES

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Etihad Guest SBI Card

7.2/10
Annual Fee₹1,499
Base Rewards0.8%
NetworkVisa
View Full Details

SBI Card

SBI Card MILES

7/10
Annual Fee₹1,499
Base Rewards0.125%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureEtihad Guest SBI CardSBI Card MILES
Annual Fee₹1,499₹1,499
Joining Fee₹1,499₹1,499
Fee Waiver Spend₹3,00,000₹6,00,000
Base Reward Rate0.8%0.125%
Reward CurrencyEtihad Guest MilesTravel Credits
NetworkVisaMastercard
Editor Rating7.2/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Etihad Guest SBI Card

  • 0% on Etihad.com
  • 0% on International Spends

SBI Card MILES

  • 0% on Travel

Pros & Cons

Etihad Guest SBI Card

Pros

  • Complimentary Etihad Guest Silver Tier status upon first transaction.
  • Direct earning of Etihad Guest Miles on all spends without conversion hassles.
  • Up to 10% discount on direct Etihad Airways bookings (3% Economy, 10% Business).
  • Annual fee waiver on relatively low spend of ₹3 Lakhs.

Cons

  • Low base reward rate of 1 Mile per ₹100 on domestic spends.
  • Miles redemption is primarily valuable only for Etihad Airways and partners.
  • High interest rates (3.5% monthly) typical of SBI cards.

SBI Card MILES

Pros

  • 1:1 conversion ratio for Travel Credits to 20+ airline and hotel partners
  • Accelerated 2 Travel Credits per ₹200 on all travel-related spends
  • Additional domestic lounge visits (up to 8) based on spend milestones of ₹1 Lakh each
  • Annual fee waiver on reasonable spend threshold of ₹6 Lakhs

Cons

  • Low base reward rate of 0.5% (1 TC per ₹200) on non-travel spends
  • No complimentary international lounge visits included despite Priority Pass membership
  • Priority Pass membership is only complimentary for the first 2 years

Our Verdict

Etihad Guest SBI Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card MILES could be the better pick if its specific category strengths match your spending habits.

Choose Etihad Guest SBI Card if

Direct miles earning and Silver Tier status provide immediate value for those flying to or through Abu Dhabi.

Choose SBI Card MILES if

Strong domestic lounge access and 1:1 transfer to domestic airlines like Air India and SpiceJet.

Frequently Asked Questions

Which is better: Etihad Guest SBI Card or SBI Card MILES?
Etihad Guest SBI Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card MILES could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Etihad Guest SBI Card and SBI Card MILES?
Etihad Guest SBI Card has an annual fee of ₹1,499, while SBI Card MILES has an annual fee of ₹1,499. Etihad Guest SBI Card offers a fee waiver on ₹3,00,000 annual spend. SBI Card MILES offers a fee waiver on ₹6,00,000 annual spend.
Which card has better rewards: Etihad Guest SBI Card or SBI Card MILES?
Etihad Guest SBI Card offers a base reward rate of 0.8% with accelerated rewards on Etihad.com and International Spends. SBI Card MILES offers 0.125% base rewards with bonuses on Travel. The better choice depends on your primary spending categories.
Can I have both Etihad Guest SBI Card and SBI Card MILES?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Etihad Guest SBI Card and SBI Card MILES can complement each other if they cover different reward categories.
Which card is better for beginners: Etihad Guest SBI Card or SBI Card MILES?
For beginners, Etihad Guest SBI Card may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Etihad Guest SBI Card vs Axis Bank Horizon Credit CardSBI Card MILES vs Axis Bank Horizon Credit Card

Explore More

Etihad Guest SBI Card Full ReviewSBI Card MILES Full ReviewAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips