Mastercard, RuPay 📡 Contactless NFC

SBI Card MILES

Joining Fee₹1,499

Annual Fee₹1,499

Forex Markup 3.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Travelers and flight bookers looking for versatile Travel Credits convertible to airline miles across multiple carrier partners with lounge access.

Who Should Avoid

Users seeking direct statement cash credit or those with low annual travel spends.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,500 Travel Credits as a welcome gift upon spending ₹30,000 within 60 days of card setup

6 Travel Credits per ₹100 on Travel Spends

Earn 6 Travel Credits per ₹100 spent on flight, hotel, and travel bookings via the SBI Card travel portal.

1,500 Welcome Travel Credits

Earn 1,500 Travel Credits as a welcome gift on spending ₹30,000 within 60 days of card issuance.

Domestic & International Airport Lounge Access

2 complimentary domestic (max 1/quarter) + 2 international lounge visits per year via Priority Pass.

💰 Reward Structure & Point Valuation

1 Travel Credits = ₹1

Standard Base Earning

2 Travel Credits per ₹100 spent on all other eligible retail purchases (1.0% return; 1 Travel Credit = ₹1.00 for flight/hotel bookings)

Accelerated / Partner Rate

6 Travel Credits per ₹100 spent on travel bookings via SBI Card travel portal; Milestone bonus: 5,000 Travel Credits on ₹5L annual spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Airline Miles Transfer Partners (Air India, KrisFlyer, InterMiles, etc.), SBI Card Travel Portal Flight & Hotel Bookings (1 Travel Credit = ₹1.00), Catalog Voucher Redemptions

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar year (max 1 per half-year)

🌐

International Lounge Visits2 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr

Annual renewal fee of ₹1,499 + GST is waived off on spending ₹10,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1 Travel Credit per ₹200 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹30,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Card MILES

Annual Fee: ₹1,499/yr (Waivable)

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Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, SBI Card MILES has a joining fee of ₹1499 and an annual renewal fee of ₹1499 (plus applicable taxes).

SBI Card MILES ₹1,499/yr