MILES ELITE
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Highlights
- Base Reward: 1.00% return (2 RP / ₹200)
- Domestic Lounge: 8 visits/year via Mastercard/RuPay Lounge Program
- International Lounge: 6 visits/year via Priority Pass
- Air Accident Cover: ₹1,00,00,000
- Fraud Liability Cover: ₹1,00,000
- Forex Markup: 1.99%
Welcome / Joining Benefit
Get welcome gift of 5,000 Travel Credits on spending ₹1,00,000 within 60 days.
Points Expiry
Travel Credits are valid for 2 years from accrual.
Joining Fee
₹4,999
+18% GST applicable
Annual Fee
₹4,999
+18% GST applicable
Renewal Fee
₹4,999
+18% GST applicable
Joining Fee Waiver
Get welcome gift of 5,000 Travel Credits on spending ₹1,00,000 within 60 days.
Annual Fee Waiver
Spend Threshold₹15,00,000
PeriodAnniversary Year
Annual fee waived on spending ₹15,00,000 or more in the previous membership year.
Other Charges
Foreign Exchange Markup1.99%
Low foreign currency transaction markup fee of 1.99%.
Basic Requirements
Minimum Age21 years
Maximum Age65 years
Eligible OccupationSalaried, Self-Employed
Additional Details
Requires high stable income and good credit score.
Base Reward Rate
Points per Spend
2 RP
Per Every
₹200
Effective Return
1%
Currency: Travel Credits — 1 point ≈ ₹1
Forex Markup: 1.99%
Accelerated & Special Rates
Earn 6 Travel Credits per ₹200 spent on Travel (airlines, hotels, travel agents).
3X
3% return
❌ No Points Earned On:
FuelWallet LoadCash Advance
Milestone Benefits
Earn 10,000 bonus credits on spending ₹8 Lakhs, and another 10,000 credits on spending ₹12 Lakhs.
Earn 1 additional domestic lounge visit for every ₹1 Lakh spent.
Insurance Benefits
Air Accident Cover₹1,00,00,000
Emergency Medical Limit₹1,00,000
Fraud Liability Cover₹1,00,000
🛫 Domestic Lounge Access
ProgramMastercard/RuPay Lounge Program
Visits8 per year
PrivilegesPrimary: Yes • Add-on: No • Guest: No
🌏 International Lounge Access
ProgramPriority Pass
Visits6 per year
PrivilegesPrimary: Yes • Add-on: No • Guest: No
Redemption Options
Smart Redemption Tips
🏆 Best value: Airline Transfer at ₹0.75–₹2.5/pt — maximize your returns here.
⚠️ Avoid Statement Credit (₹0.2–₹0.25/pt) — you lose 90% of point value.
🪙 Reward currency: Travel Credits
Best Value
🛩️Airline Transfer
Transfer to partner airline programs
₹0.75–₹2.5/pt
🏨Hotel Loyalty
Transfer to partner hotel programs
₹0.5–₹1.5/pt
✈️Travel Portal
Redeem for travel bookings via portal
₹0.5–₹1/pt
💳Statement Credit
Redeem against card statement balance
₹0.2–₹0.25/pt
Points Transfer Partners
Total: 26 partnersSort By
Air Arabia AA Rewards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
AirAsia Rewards
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Air Canada Aeroplan
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Flying Blue
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Air India Maharaja Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
British Airways Executive Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Cathay Pacific Asia Miles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Etihad Guest
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Emirates Skywards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Ethiopian ShebaMiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
JAL Mileage Bank
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Saudia AlFursan
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
SpiceClub
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Royal Orchid Plus
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Turkish Miles &Smiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
United MileagePlus
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Qantas Frequent Flyer
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
Vietnam Airlines Lotusmiles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 mile
ALL - Accor Live Limitless
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 pt
IHG One Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Club ITC
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Jumeirah One
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 pt
Orchid Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Wyndham Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Shangri-La Circle
Hotel
6Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.17 pt
Radisson Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt