SBI Card MILES
The SBI Card MILES is a mid credit card from SBI Card, with a joining fee of ₹1,499 + GST.
It earns up to 2 miles per ₹200 (≈0.5% value) on travel spends in the form of travel credits (miles).
Cardholders get 2 quarterly domestic airport lounge access, plus 1,500 travel credits as welcome gift as a welcome benefit.
- Joining Fee₹1,499
- Annual Fee₹1,499
- Best Suited ForTravel
- Reward TypeTravel Credits (miles)
- 2 miles per ₹200 on travel
- Base 0.25% on other spends
- 1,500 Travel Credits as Welcome Gift
SBImidRewards and Benefits
- ₹5,00,000 / annual: 5,000 Bonus Travel Credits on annual spends of ₹5 lakhs
- ₹1,00,000 / annual: 1 additional domestic airport lounge visit for every ₹1 lakh spent (capped at 8 additional visits per year)
- Priority Pass Membership — Complimentary Priority Pass Membership worth $99, giving access to 1,000+ international lounges. Complimentary for first 2 years; $27 + taxes per visit thereafter.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹50/mo
You spend ₹10,000 · earns 0.5% = ₹50 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.3% = ₹38/mo
- Groceries₹8,000 · 0.3% = ₹20/mo
- Dining & food delivery₹8,000 · 0.3% = ₹20/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.3% = ₹13/mo
₹1,680 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- mid card issued by SBI Card.
- Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹6,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
- Annual fee waivable on ₹6,00,000 spend.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No rewards on fuel spends.
₹1,500 welcome benefit
- 1,500 Travel Credits as Welcome GiftSpends of ₹30,000 within 60 days of card issuanceWindow: 60 days from issuance.
Accelerated rewards
- 2 miles per ₹200 on travel2 Travel Credits per ₹200 spent on travel (vs 1 per ₹200 on other spends).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
Milestone benefits
- ₹5,00,000 / annual: 5,000 Bonus Travel Credits on annual spends of ₹5 lakhs (≈ ₹5,000 value)
- ₹1,00,000 / annual: 1 additional domestic airport lounge visit for every ₹1 lakh spent (capped at 8 additional visits per year)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000.
Other benefits
- Priority Pass Membership. Complimentary Priority Pass Membership worth $99, giving access to 1,000+ international lounges. Complimentary for first 2 years; $27 + taxes per visit thereafter.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- —
Secured 'Advantage' variant also available. TODO verify eligibility criteria.