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SBI Travel Credits

The SBI MILES range's currency (MILES, MILES PRIME, MILES ELITE — and where the discontinued Etihad Guest SBI holders were migrated). ~25 partners with 1:1 to Maharaja, Avios, Flying Blue and Aeroplan carry the value; the travel portal pays a flat ₹0.50 floor. Watch the 2:1 tier (Emirates, Turkish, United).

SBI Card·holding flat·reviewed 2026-07-09
₹0.50
Floor
₹1.00
House value / point
₹1.80
Ceiling
—
Trend

Nerf risk: stable No tracker events on record for this program

Expiry: 24 months from accrual (official T&C) — the shortest fuse on this index

Floor = the worst redemption you can always fall back on; ceiling = the best sweet-spot exit. The house value is what a disciplined traveller actually clears.

Every way in

Cards that earn it

SBI Card MILES PRIME
SBI Card · ranked #30
1.0% reward rate · 1 pts/₹100
SBI Card MILES ELITE
SBI Card · ranked #37
1.0% reward rate · 1 pts/₹100
SBI Card MILES
SBI Card · ranked #49
0.5% reward rate · 0.5 pts/₹100

Every way out

Ranked by real ₹ per point at our house values — the play first, the traps last. Ratios read SBI Travel Credits points : partner miles.

2:1
ALL - Accor Live Limitless up to 21 days
Accor's near-fixed €40/2,000-pt value halves through this ratio.
₹1.07 /pt
6:1
Shangri-La Golden Circle up to 21 days
Looks brutal, but GC points are rich — roughly ₹1.4/credit at GC's ~9¢ value. Min 1,200 credits.
₹1.06 /pt
1:1
British Airways Executive Club (Avios) up to 21 days
1:1 Avios without an Amex — short-haul sweet spots and Qatar Qsuite via Avios.
₹1.00 /pt
1:1
Air France-KLM Flying Blue up to 21 days
Promo Rewards from India at full 1:1 value.
₹1.00 /pt
1:1
Air Canada Aeroplan up to 21 days
Star Alliance long-haul business without fuel surcharges.
₹1.00 /pt
1:1
Cathay Pacific Asia Miles up to 21 days
oneworld via HKG; a rare 1:1 Asia Miles feed from an Indian bank card.
₹1.00 /pt
1:1
Etihad Guest up to 21 days
Etihad business to AUH — more relevant since Amex MR dropped this route.
₹1.00 /pt
1:1
Qantas Frequent Flyer up to 21 days
oneworld access for Australia trips.
₹1.00 /pt
1:1
Thai Royal Orchid Plus up to 21 days
Star Alliance via BKK regional premium cabins.
₹1.00 /pt
1:1
Vietnam Airlines LotusSmiles up to 21 days
A recent addition — a clean 1:1 SkyTeam feed for short-haul SE Asia. Niche, but full value.
₹1.00 /pt
1:1
Orchid Rewards up to 21 days
Royal Orchid mid-scale stays — the third 1:1 hotel exit. Domestic, niche, but full value.
₹1.00 /pt
1:1
Air India Maharaja Club up to 21 days
The headline route — domestic + Star Alliance premium cabins post-Vistara.
₹0.80 /pt
1:1
Wyndham Rewards up to 21 days
Flat-ish awards; situational.
₹0.65 /pt
2:1
Japan Airlines Mileage Bank up to 21 days
oneworld Japan awards at half value.
₹0.55 /pt
1:1
IHG One Rewards up to 21 days
1:1 into IHG — decent with 4th-night-free stacking.
₹0.55 /pt
1:1
SpiceJet SpiceClub up to 21 days
Domestic top-ups; low value.
₹0.50 /pt
2:1
Turkish Airlines Miles&Smiles up to 21 days
Star Alliance sweet spots survive even at 2:1, barely.
₹0.50 /pt
2:1
United MileagePlus up to 21 days
Wide Star Alliance reach, weak ratio.
₹0.50 /pt
2:1
Saudia Alfursan up to 21 days
SkyTeam via JED/RUH; niche.
₹0.50 /pt
2:1
Ethiopian ShebaMiles up to 21 days
Star Alliance to Africa; hard to book, weak ratio.
₹0.50 /pt
2:1
Club ITC up to 21 days
ITC luxury nights at half value.
₹0.50 /pt
2:1
Jumeirah One up to 21 days
Dubai luxury niche.
₹0.50 /pt
2:1
AirRewards (Air Arabia) up to 21 days
Gulf low-cost top-ups; skip.
₹0.47 /pt
2:1
Emirates Skywards up to 21 days
Half value — only for topping up a Skywards balance you already hold.
₹0.45 /pt
1:1
AirAsia Rewards up to 21 days
Cheap SE Asia short-haul; thin per-point worth.
₹0.23 /pt
1:1
Radisson Rewards up to 21 days
1:1 into Radisson Rewards — situational for domestic/APAC stays, full value on paper.
₹0.22 /pt

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What a point has been worth

Derived only from quantified, dated events in the tracker — no interpolation, no vibes.

₹1.00 → ₹1.00 since 2024
  • 10 Jul 2026 ₹1.00 current house value
  • 23 Apr 2024 ₹1.00 2024-04-23 — SBI Card launches MILES/MILES ELITE with Travel Credits at 1 TC = ₹1 on 1:1 airmile conversions. No recorded movement since launch: the 2025-07-15 insurance pull and 2026-01-10 lounge tiering (both in the changelog) are perk-side, not ₹/point.

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