SBI Card MILES PRIME by SBI Card — Credit Card Image
SBI Card Review Verified: 2026-08-25

SBI Card MILES PRIME

4.6 / 5.0 Rating
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#travel #rewards

Fees

₹2,999 + Taxes

Joining & annual

Reward Rate

1-2% Travel Credits on all spends, redeemable up to 1:1 with 20+ airline and hotel partners

Welcome Bonus

3,000 Travel Credits on ₹60,000 spend within 60 days

Lounge

Unlimited (Spend-Based Bonus Visits)

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

The SBI Card MILES PRIME from SBI Card offers Flight & Hotel Air Miles Redemptions with an annual fee of ₹2,999 + Taxes.

Reward limits

Checked 11 Oct 2026 · Bank terms

  • 4 Travel Credits per ₹200 on travel

    No limit

  • 2 Travel Credits per ₹200 on other spends

    No limit

Where this card earns most

Paying directly in the app or site · 0.5% on other spends

Cleartrip 1% Goibibo 1% IRCTC 1% IndiGo 1% MakeMyTrip 1%
Find the best card for any app or store →

Pros & Cons

Key Advantages

  • No minimum spend condition for complimentary airport lounge access
  • 1 extra domestic lounge visit per ₹1 Lakh spent, capped at 12 extra visits/year
  • Travel Credits transfer up to 1:1 with 20+ airline and hotel partners
  • Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Limitations

  • Base Travel Credit rate tops out at 2%, modest for a travel-focused card
  • Milestone lounge visits require heavy annual spending to unlock
  • Best value depends on having airline/hotel loyalty accounts with partner programs

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 ₹5 Lakh annual retail spends

Fees & Charges

Joining fee

₹2,999 + Taxes

Annual fee

₹2,999 + Taxes

Annual fee waived on ₹5 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

How do Travel Credits work on SBI Card MILES PRIME?
1-2% Travel Credits on all spends, redeemable up to 1:1 with 20+ airline and hotel loyalty partners — useful if you already collect miles with a specific airline or hotel chain.
What lounge access does MILES PRIME offer?
Complimentary Priority Pass membership for the first 2 years plus milestone-linked domestic lounge visits — check current terms before relying on a specific visit count, as SBI's lounge benefits across this card family have changed more than once in 2026.

Compare SBI Card MILES PRIME With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
SBI Card MILES PRIME This Card ₹2,999 + Taxes 1-2% Travel Credits on all spends, redeemable up to 1:1 with 20+... Unlimited (Spend-Based Bonus Visits) 4.6/5
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

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