SBI Card Miles
Last Updated : June 30, 2025, 6:12 p.m.
SBI Card Miles is a great choice for frequent travelers. The card enables you to earn accelerated rewards on travel spends. You can redeem these rewards at multiple airline and hotel partners in the ratio of 1:1. Let us now read about the SBI Miles Credit Card in detail. Here are the key features and benefits of the credit card.
Key Features and Benefits of SBI Miles Card
Welcome Gift |
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Rewards in miles |
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Milestone benefits |
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Travel privileges |
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Fuel surcharge waiver |
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Contactless advantage |
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Comparing the 3 Variants of the SBI Credit Card
SBI Card’s Miles series comprises three travel-oriented credit cards : the base SBI Card Miles, the mid-tier Miles Prime, and the premium Miles Elite. The table below summarizes their key features (fees, rewards, lounge access, etc.) based on the latest official SBI Card information:
| Feature | SBI Miles Card | SBI Card Miles Prime | SBI Card Miles Elite |
|---|---|---|---|
Annual Fee (Joining / Renewal) | One time joining fee: Rs. 1,499 + taxes Renewal fee: ₹1,499 | Joining fee: Rs. 2,999 + taxes Renewal fee: Rs. 2,999 | Joining fee: Rs. 4,999 plus taxes Renewal fee: Rs. 4,999 |
Welcome Bonus | 1,500 travel credits (On spends of Rs. 30,000 within 60 days) | 3,000 travel credits (On spends of Rs. 60,000 within 60 days) | 5,000 travel credits (On ₹1,00,000 spends within 60 days) |
Rewards (Earn & Redemption) |
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Domestic Lounges (Complimentary) |
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Intl. Lounges (Complimentary) |
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Foreign Txn (Markup) Fee |
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Fuel Surcharge Waiver |
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Milestones & Fee Waiver |
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Each card also offers standard travel insurances (e.g. flight delay/cancellation, baggage loss, etc.) and a free add-on card. All variants allow conversion of travel credits to various airline miles, hotel points, or booking value as shown above.
SBI Card Miles Eligibility Criteria
You must meet the following conditions to be eligible:
- Age: 21–65 years (for primary cardholder)
- Nationality: Resident Indian
- Income: Must have a stable monthly income (Exact upper limit not disclosed by SBI)
- Credit Score: Preferably 700+ for smooth approval
- Employment: Both salaried and self-employed individuals can apply.
Documents Required for SBI Card Miles
To apply, keep the following documents ready:
- Identity proof:
- PAN Card (mandatory)
- Aadhaar Card
- Voter ID
- Passport
- Proof of Address: Aadhaar Card , Passport, Utility Bills (last 2 months)
- Income Proof:
- Salaried: Latest 2 salary slips or Form 16
- Self-employed: Last 2 years’ ITR or business proof + bank statement
- Passport-sized photograph
SBI Card Miles Fees and Charges
| Particular | Details |
|---|---|
Joining Fee | ₹1,499 + GST |
Renewal Fee | ₹1,499 per year |
Interest Rate | 3.50% per month (42% annually) |
Foreign Transaction Fee | 3.00% of transaction amount |
Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Late Payment Fee | ₹400–₹1,300 (based on total due) |
Overlimit Fee | 2.5% of overlimit amount (min ₹600) |
Fuel Surcharge Waiver | 1% (₹250 monthly cap) |
Add-on Card | Free lifetime |
Conclusion: Should You Get the SBI Card Miles?
If you’re looking for a travel rewards card with a moderate fee and solid air mile earning potential, SBI Card Miles is a compelling choice. It offers a good mix of welcome bonus, flexible redemptions, domestic lounge access, and milestone perks. For casual travelers or first-time travel cardholders, this card strikes a balance between cost and reward.
Frequently Asked Questions (FAQs)
