State Bank of India
SBI Card MILES PRIME Credit Card
Premium travel Visa with MILES on every spend and lounge access
₹3,000/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Frequent traveller
- Premium cardholder
- Air miles optimiser
-
What we like
- 3x miles on airline spend
- Domestic + international lounge access
- Air miles conversion to partner airlines
-
Watch out for
- ₹3,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹3 lakh/year required to waive annual fee
Annual fee
₹3,000/yr
Reward rate
3x
Min. income
₹6,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹2,000 travel voucher on annual spends ≥ ₹3,00,000; ₹5,000 voucher on ≥ ₹6,00,000.
SBI Card MILES PRIME review: premium travel Visa with MILES on every spend, complimentary domestic + international lounge access, milestone vouchers, and travel privileges for premium travellers.
Who is this for
- Frequent traveller
- Premium cardholder
- Air miles optimiser
What we like
- 3x miles on airline spend
- Domestic + international lounge access
- Air miles conversion to partner airlines
Watch out for
- ₹3,000 non-waiver joining fee
- Standard 3.5% forex markup
- Spend threshold of ₹3 lakh/year required to waive annual fee
Issuer
State Bank of India is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹3,000 | Not waivable |
| Annual fee | ₹3,000 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹3,000 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹500 and ₹3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| AIRLINES | 3 Reward Miles per ₹100 on airline spend; 2 Reward Miles per ₹100 on retail; 1 Reward Mile per ₹100 on utility & insu… | Not explicitly stated | Redeemable as air miles via SBI rewards portal; conversion to partner airlines |
| TRAVEL | 3.00 | — | 1 mile ≈ ₹0.50–₹1.00 |
| All spends | 2.00 | — | 1 mile ≈ ₹0.50–₹1.00 |
Benefits
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3x Miles on Airline Spend Highlight
3 Reward Miles per ₹100 on airline spend — high earn rate for premium travellers.
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Domestic + International Lounge Access Highlight
6 complimentary domestic + 4 international lounge visits per year.
-
Milestone Vouchers
₹2,000 travel voucher on annual spends ≥ ₹3,00,000; ₹5,000 voucher on ≥ ₹6,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹500 and ₹3,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
SBI Card MILES PRIME is the premium travel Visa tier between MILES and MILES ELITE. It targets premium travellers with high miles on airline spend and lounge access.
Fees and rewards
- Joining fee: ₹3,000 (non-waiver)
- Annual fee: ₹3,000, waived on annual spends ≥ ₹3,00,000
- Rewards: 3 Reward Miles per ₹100 on airline spend; 2 Reward Miles per ₹100 on retail
- Forex markup: 3.50%
Travel benefits
- 3x miles on airline spend
- 6 domestic + 4 international lounge visits per year
- ₹2,000 milestone voucher on ₹3 lakh spend; ₹5,000 on ₹6 lakh
- 1% fuel surcharge waiver
Eligibility
Minimum annual income ₹6,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the SBI Card MILES PRIME Credit Card apply walkthrough →
Apply for SBI Card MILES PRIME Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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