SBI Card MILES
Fees
₹1,499 + Taxes
Joining & annual
Reward Rate
Up to 1% Travel Credits on all spends, redeemable up to 1:1 with 20+ airline & hotel partners
Welcome Bonus
1,500 Travel Credits on ₹30,000 spend within 60 days
Lounge
8 Domestic/yr (Up to 16 via Milestones) + Priority Pass
Our Expert Take
The SBI Card MILES from SBI Card offers Everyday Air Miles Earners with an annual fee of ₹1,499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
2 Travel Credits per ₹200 on travel
No limit -
1 Travel Credit per ₹200 elsewhere
No limit
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- 8 domestic lounge visits/year, with up to 8 more unlockable via spend milestones
- Complimentary 2-year Priority Pass membership worth $99
- Travel Credits transfer to 20+ partners including Air India, British Airways & IHG
- Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)
Limitations
- Base Travel Credit rate of just 1% is modest for everyday spending
- Priority Pass visits beyond the complimentary allowance cost $27 + taxes each
- Requires linking to airline/hotel loyalty accounts to redeem Travel Credits
Key Perks & Spending Milestones
Accelerated earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹3 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,499 + Taxes
Annual fee
₹1,499 + Taxes
Annual fee waived on ₹3 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the Travel Credits rate on SBI Card MILES?
How many lounge visits does SBI Card MILES offer?
Compare SBI Card MILES With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI Card MILES This Card | ₹1,499 + Taxes | Up to 1% Travel Credits on all spends, redeemable up to 1:1 with... | 8 Domestic/yr (Up to 16 via Milestones) + Priority Pass | 4.2/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |