Side-by-side · honest numbers
SBI Card MILES vs SBI Card ELITE vs slice credit card
Honest side-by-side comparison of SBI Card MILES, SBI Card ELITE, slice credit card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, slice credit card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹220/yr.
| Feature | SBI Card MILES SBI Card | SBI Card ELITE SBI Card | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,499 | ₹4,999 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | ₹10,00,000/yr | Lifetime free |
| Min income | ₹35,000/mo | ₹60,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,290/yr | ₹1,701/yr | ₹3,510/yr |
| Travel | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 6X reward points | 5X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Rent · Wallet · EMI | Fuel · Rent · Wallet · EMI · Government | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹2,000 | ₹5,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- slice credit card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
SBI Card MILES
SBI Card
SBI Card ELITE
SBI Card
slice credit card
Slice
Your adjusted comparison
| Feature | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,499 | ₹4,999 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | ₹10,00,000/yr | Lifetime free |
| Min income | ₹35,000/mo | ₹60,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,290/yr | ₹1,701/yr | ₹3,510/yr |
| Travel | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | — |
| Top reward rate | 6X reward points | 5X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Fuel · Rent · Wallet · EMI | Fuel · Rent · Wallet · EMI · Government | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹2,000 | ₹5,000 | — |
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https://cardhungry.com/in/en/compare/sbi-card-miles-vs-sbi-elite-vs-slice-credit-cardMore SBI Card MILES comparisons
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