State Bank of India
SBI Card MILES
₹1,499/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,499/yr
Reward rate
Not published
Min. income
₹3,00,000
Forex markup
3%
Lounge access
Domestic only
Eligibility
₹3 lakh/yr · CIBIL 750+
Reward cap
No published cap
Welcome benefit
5,000 Bonus Travel Credits on annual spends ≥ ₹5,00,000; 1 additional domestic lounge visit for every ₹1,00,000 spent (…
Who is this for
- Rewards optimiser
What we like
- Travel-focused rewards
- Free domestic lounge visits
- Priority Pass membership
Watch out for
- ₹1,499 non-waiver joining fee
- 3% foreign-transaction markup
- ₹950 late-payment fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,499 | Not waivable |
| Annual fee | ₹1,499 | Annual fee reversed on annual spends ≥ ₹6,00,000 |
| Forex markup | 3% | Not waivable |
| Late payment | ₹950 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waiver on fuel (standard SBI Card suite) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends | — | 1 Travel Credit = ₹1 (travel bookings) or transferable to Air Miles / Hotel Points |
Benefits
-
Travel-focused rewards Highlight
2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends — 2x travel
-
Domestic lounge access Highlight
4 complimentary domestic airport lounge visits per quarter (max. 2 per quarter) — 16 per year — 16 per year
-
Priority Pass membership Highlight
Complimentary Priority Pass Membership worth $99 (for first 2 years); $27 per visit post complimentary visits — Priority Pass 2yr
-
Fuel surcharge waiver
1% fuel surcharge waiver (per standard SBI Card suite) — 1% waiver
-
Travel credit bonus Highlight
5,000 Bonus Travel Credits on annual spends ≥ ₹5,00,000; 1 additional domestic lounge visit for every ₹1,00,000 spent (capped at 8 additional visits/membership year) — 5,000 TCs + extra visits
Eligibility
- Age
- 21–65 years
- Min. income
- ₹3,00,000
- Min. credit score
- 750+
- Score note
- Estimated; SBI Card does not publish minimum on marketing page
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof
SBI Card MILES is a MASTERCARD credit card from SBI Card.
Fees and rewards
- Annual fee: ₹1499
- Joining fee: ₹1499
- Rewards: 2 Travel Credits per ₹200 on travel spends; 1 Travel Credit per ₹200 on other spends; Travel Credits can be redeemed for Air Miles / Hotel Points (1 Travel Credit = Re. 1) or for Travel Bookings (1 Travel Credit = ₹0.50)
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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