Mastercard, RuPay 📡 Contactless NFC

SBI Card MILES PRIME

Joining Fee₹2,999

Annual Fee₹2,999

Forex Markup 3.5%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent travelers wanting versatile Travel Credits, 8 domestic + 4 international lounge visits, and 10k bonus travel credits on annual spends.

Who Should Avoid

Users who cannot meet the ₹20,000 quarterly spend threshold for lounge access or those unable to justify the ₹2,999 annual fee.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome bonus Travel Credits upon payment of joining fee and realization

Up to 8 Travel Credits per ₹100 on Travel

Earn up to 8 Travel Credits per ₹100 on travel bookings via SBI Card travel portal and 4 Travel Credits per ₹200 on general travel.

8 Domestic & 4 International Lounge Visits

8 domestic (1 extra domestic visit per ₹1 Lakh spent) + 4 international airport lounge visits per year via Priority Pass.

Spend-Based Annual Fee Waiver

Annual renewal fee of ₹2,999 is waived off on spending ₹10,00,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Travel Credits = ₹1

Standard Base Earning

2 Travel Credits per ₹200 spent on all other regular retail purchases (1.0% return; 1 Travel Credit = ₹1.00 for flight/hotel bookings)

Accelerated / Partner Rate

Up to 8 Travel Credits per ₹100 on travel bookings via SBI Card travel portal; 4 Travel Credits per ₹200 on travel spends; 10,000 bonus Travel Credits on achieving ₹8L 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 Visits8 complimentary domestic airport lounge visits per calendar year (plus 1 extra domestic visit for every ₹1 Lakh spent)

🌐

International Lounge Visits4 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar quarter for domestic lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr

Annual renewal fee of ₹2,999 + 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 - 60 Years

Min. Monthly Income₹25,000

Min. Credit Score720 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 PRIME

Annual Fee: ₹2,999/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, SBI Card MILES PRIME has a joining fee of ₹2999 and an annual renewal fee of ₹2999 (plus applicable taxes).

SBI Card MILES PRIME ₹2,999/yr