SBI Card MILES PRIME
Updated 3 Jul 2026Source-linked
The SBI Card MILES PRIME is a premium credit card from SBI Card, with a joining fee of ₹2,999 + GST.
It earns up to 4 miles per ₹200 (≈1.0% value) on travel spends in the form of travel credits (miles).
Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus 3,000 travel credits as welcome benefit as a welcome benefit.
SBI Card MILES PRIME
- Joining Fee₹2,999
- Annual Fee₹2,999
- Best Suited ForTravel
- Reward TypeTravel Credits (miles)
Rewards Rate
- 4 miles per ₹200 on travel
- Base 0.50% on other spends
Welcome Benefits
- 3,000 Travel Credits as Welcome Benefit
Data verified 3 Jul 2026 — see our methodology
SBIpremiumRewards and Benefits
Rewards Rate
4 miles per ₹200 on travel
Base 0.50% on other spends.
Reward Redemption
1 Travel Credit = Re.1 when redeemed for Air Miles / Hotel Points.
Welcome Benefits
3,000 Travel Credits as Welcome Benefit
Milestone Rewards
- ₹8,00,000 / annual: 10,000 Bonus Travel Credits on annual spends of ₹8 lakhs
- ₹1,00,000 / annual: 1 additional domestic airport lounge visit for every ₹1 lakh spent (additional visits capped at 12 per year)
Domestic Lounge Access
8 visits each annual.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- trip delay: ₹3,500
- lost card liability: ₹1,00,000
- baggage loss: ₹72,000
Other Benefits
- Priority Pass Membership — Complimentary Priority Pass Membership worth $99, giving access to 1,000+ international lounges. Complimentary for first 2 years.
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₹100/mo
You spend ₹10,000 · earns 1.0% = ₹100 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.5% = ₹75/mo
- Groceries₹8,000 · 0.5% = ₹40/mo
- Dining & food delivery₹8,000 · 0.5% = ₹40/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.5% = ₹25/mo
Est.net rewards for this spend, realistic
₹361/yr₹3,360 rewards − ₹2,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by SBI Card.
- Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹10,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (4/annual).
- Insurance cover bundled: trip delay, lost card liability, baggage loss.
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Low forex markup of 2.50% — suited to international spends.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- No rewards on fuel spends.
₹3,000 welcome benefit
- 3,000 Travel Credits as Welcome BenefitSpends of ₹60,000 within 60 days of card issuanceWindow: 60 days from issuance.
Accelerated rewards
- 4 miles per ₹200 on travel4 Travel Credits per ₹200 spent on travel (vs 2 per ₹200 on other spends).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
Milestone benefits
- ₹8,00,000 / annual: 10,000 Bonus Travel Credits on annual spends of ₹8 lakhs (≈ ₹10,000 value)
- ₹1,00,000 / annual: 1 additional domestic airport lounge visit for every ₹1 lakh spent (additional visits capped at 12 per year)
Airport lounge access
Domestic
8 visit(s) / annual. Via mastercard, rupay.
Max 2 visits per quarter. Plus 1 extra visit per ₹1 lakh spent, additional visits capped at 12 per membership year.
International
4 visit(s) / annual. Via priority-pass.
Max 2 visits per quarter. Priority Pass complimentary for first 2 years.
Insurance benefits
- trip delay: ₹3,500Flight cancellation cover up to ₹3,500 each, up to 6 cancellations per year.
- lost card liability: ₹1,00,000
- baggage loss: ₹72,000Loss of check-in baggage cover up to ₹72,000; delay of check-in baggage cover ₹7,500.
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.
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)
- ₹12,00,000 p.a.
- Income (self-employed)
- —
TODO verify eligibility criteria.