Vyaya
Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card vs SBI Card MILES ELITE

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

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

SBI Card

SBI Card MILES ELITE

8.2/10
Annual Fee₹4,999
Base Rewards1%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardSBI Card MILES ELITE
Annual Fee₹499₹4,999
Joining Fee₹499₹4,999
Fee Waiver Spend₹1,00,000₹15,00,000
Base Reward Rate0.25%1%
Reward CurrencyReward PointsTravel Credits
NetworkVisaMastercard
Editor Rating7.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

SBI Card MILES ELITE

No accelerated rewards listed

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

SBI Card MILES ELITE

Pros

  • High 3% reward rate on travel spends (6 Travel Credits per ₹200).
  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points with major partners.
  • Unique spend-linked domestic lounge access (1 extra visit per ₹1 Lakh spend).
  • Low foreign currency markup of 1.99%, ideal for international travelers.

Cons

  • High annual fee of ₹4,999 with a steep waiver threshold of ₹15 Lakhs.
  • Lounge access is capped per quarter (2 visits), which may be restrictive for frequent flyers.
  • Air Accident insurance coverage was discontinued as of July 2025.

Our Verdict

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

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Choose SBI Card MILES ELITE if

High reward rates on flights and hotels with 1:1 mile conversion across multiple airlines.

Frequently Asked Questions

Which is better: Delhi Metro SBI Card or SBI Card MILES ELITE?
SBI Card MILES ELITE edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Delhi Metro SBI Card and SBI Card MILES ELITE?
Delhi Metro SBI Card has an annual fee of ₹499, while SBI Card MILES ELITE has an annual fee of ₹4,999. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card MILES ELITE offers a fee waiver on ₹15,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or SBI Card MILES ELITE?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. SBI Card MILES ELITE offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and SBI Card MILES ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and SBI Card MILES ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or SBI Card MILES ELITE?
For beginners, Delhi Metro SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

Delhi Metro SBI Card Full ReviewSBI Card MILES ELITE Full ReviewAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips