SBI Card MILES
A travel card earning Travel Credits: 2 per ₹200 on travel and 1 per ₹200 elsewhere (up to 5,000 a month), convertible to airline miles and hotel points or ₹0.50 each on travel bookings; 3% forex markup. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,499 plus GST Product page |
|---|---|
| Annual fee | ₹1,499 plus GST Product page |
| Annual fee waiver | On ₹6,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3% of the transaction, plus GST MITC |
Rewards
Reward points, ₹0.50 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Travel (airlines, travel agencies, hotels, car rental) | 2 points per ₹200 Product page | up to 5,000 points a month (shared) Terms |
| All other eligible spends | 1 point per ₹200 Product page | up to 5,000 points a month (shared) Terms |
Earned as Travel Credits, redeemed by transfer to airline or hotel loyalty programmes, against travel bookings at ₹0.50, or in the product catalogue at ₹0.25.
Above 5,000 Travel Credits in a calendar month nothing more is earned. Quasi-cash spends (MCCs 6012, 6051, 9222, 9311, 9402) and EMI also earn nothing. Travel Credits are valid for 24 months.
No rewards on
Benefits
- Lounges: 4 domestic airport lounge visits a year (2 a quarter), plus one more for every ₹1 lakh spent (up to 8 extra a year); Priority Pass membership with paid international visits Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: 1,500 Travel Credits on ₹30,000 of spend within 60 days of issue Product page
- Milestone: 5,000 bonus Travel Credits at ₹5 lakh of annual spend Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- Travel Credits convert to airline miles and hotel points (1 Travel Credit = 1 mile or point before partner ratios) Product page
- 3% foreign currency markup Product page
- An extra domestic lounge visit for every ₹1 lakh spent, up to 8 a year Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends
- the rupee value of the welcome and milestone Travel Credits
Where SBI Card’s documents differ, and what is used
- Fees: the product page FAQ says the annual and renewal fees are ₹4,999; the fee section of the same page and the MITC give ₹1,499, which is used.
- Fuel surcharge waiver: the product page gives fills of ₹500 to ₹4,000; the terms booklet FAQ gives ₹500 to ₹3,000 (both cap it at ₹250). The product page is used.
The quotes behind the figures
44 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 1,499 + taxes”
“Renewal Fee (per annum): Rs. 1,499 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Annual Fee reversed on annual spends of Rs. 6 lakhs.”
“3% for SBI Card Miles, 2.5% for SBI Card Miles Primeand 1.99% (For AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite).”
“Redeem credits for Travel Bookings (1 Travel Credit = Rs. 0.50)”
“Earn 2 Travel Credits per Rs. 200 spent on travel”
“Maximum Travel Credits that can be earned on online and offline spends in a calendar month will be capped at 5,000.”
“SBI Card Miles Spends Travel Spends Other Spends Travel Credit 2 for every Rs. 200 spent 1 for every Rs. 200 spent”
“*Travel transactions shall be identified under Merchant Category Codes: 4511, 3020, 3026, 3034, 3005, 3008, 3075, 3136, 3007, 3010, 3047, 4722, 4784, 4131, 4111, 4121, 7512, 4789, 4214, 7011, 3640, 3509, 3649, 3501”
“Earn 1 Travel Credit for every Rs. 200 on other spends”
“Any purchases at petrol pumps/service stations 5172, 5541, 5542, 5983”
“E wallet loading 6540, 6541”
“Payments towards Rent/property management 6513”
“School & Educational Services 8211, 8241, 8244, 8249, 8299”
“Utility transactions 4900, 4814, ,4899, 9399”
“Insurance transactions 5960, 6300, 6380”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“SBI Card MILES - Benefits & Features - Apply Now | SBI Card”
“"filterBenefits" : "upi-payments"”
“SBI Card MILES 1,499 1,499 (Waived off on annual spends of Rs.6 Lakh or more in the preceding year)”
“The Annual Fee of the card is Rs. 4,999 + taxes. The Renewal Fee is Rs. 4,999 + taxes from second year onwards.”
“Fee reversal is preconditioned on fee levied during the renewal cycle”
“Redeem credits for Shop & Smile Catalogue (1 Travel Credit = Rs. 0.25)”
“Travel Credits can only be accumulated for a period of 24 months from the date of the accrual of Travel Credits under the program.”
“Quasi Cash 6012, 6051, 9222, 9311, 9402”
“1 Travel Credit = 0.25 for Shop & Smile Product Catalogue”
“In case of a scenario where reward points redeemed by cardholders are required to be adjusted as a statement debit then the conversion value of such points shall be: 1 Reward Point = 0.50”
“The Travel Credits accrued do not have cash or any monetary value.”
“Travel Credits accrual exclusion on Fuel, EMI, Wallet Upload, Property Rental, Utilities and Insurance categories”
“Travel Credits will be credited on spends of Rs. 30,000 within 60 days of card issuance”
“Additional lounge visits capped at 8 per membership year.”
“Post complimentary visits, a usage fee of $27 + applicable taxes will be charged per Priority Pass lounge visit.”
“However, you will get 1% Fuel Surcharge Waiver across all Petrol Pumps in India on fuel transaction amount ranging from `500 to `3,000.”
“4 complimentary domestic airport lounge visits every year (max. 2 visits per quarter)”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 250 per statement cycle, per credit card account.”
“Get 1,500 Travel Credits as Welcome Gift”
“5,000 Bonus Travel Credits on annual spends of Rs. 5 lakhs.”
“Redeem credits for Air Miles / Hotel Points (1 Travel Credit = Re. 1)”
“Low foreign currency mark-up charge of 3% on international usage”
“Earn 1 additional domestic airport lounge visit for every Rs. 1 lakh spent, over and above complimentary visits.”
“"ctaText" : "APPLY NOW", "ctaView" : "primary",”
“Use your card to make payments at any outlet that accepts MasterCard / RuPay”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology