SBI Card pulls free air accident insurance from its top cards
SBI Card Elite, Miles Elite, Miles Prime, Prime and Pulse lose their complimentary air accident insurance — cover that ran up to ₹1 crore — with no replacement offered.
From 15 July 2025, SBI Card’s premium lineup got quietly poorer. Elite, Miles Elite, Miles Prime, Prime and Pulse all lost their complimentary air accident insurance — cover that ran from ₹50 lakh up to ₹1 crore on the top-end cards.
There is no like-for-like replacement. No opt-in paid version, no substitute perk, nothing. The cover is simply discontinued, across five cards at once.
This matters more than the zero-rupee line item suggests. Free air accident cover was one of the few genuine differentiators SBI’s premium travel cards held against HDFC and Axis — a benefit you hopefully never use, but one that made the fee easier to justify for frequent flyers.
Our take: this is the classic stealth nerf — no fee change, no headline, just a benefit deleted from the fine print. If air accident cover was part of why you keep a Miles Elite, reprice the card without it. The nerf is real even when the number on the annual-fee line doesn’t move.