Heads-up: SBI Card MILIFE is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

The SBI Card MILIFE is a lifetime-free lifestyle card for millennials. It offers 10X reward points on dining, movies, and groceries, 2X on all other retail, 1% fuel surcharge waiver, and 1 free domestic lounge visit per year. The card is targeted at urban users who spend moderately on lifestyle categories.

Why this matters

SBI Card MILIFE is one of the few lifetime-free cards with 1 free lounge visit per year. The 10X on dining, movies, and groceries is competitive with paid cards. If you spend ₹20,000/month on these categories, the 10X gives you 2,000 points/month, redeemable for ₹1,000 in cashback.

Sbi Milife

How to Apply for the SBI Card MILIFE in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the SBI Card MILIFE and earn 10X reward points on dining, movies, and groceries. Eligibility, benefits, and the application process.

Check MILIFE eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
Apply online via SBI Card website — Visit sbicard.com → Personal → Credit Cards → MILIFE. Click Apply Now. The form is pre-filled if you are an existing SBI customer.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
Submit and track — Submit the form. The 12-digit application reference is shown. Track status in SBI Card app. Approval takes 5–10 working days.
Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, SBI Card app, or at any SBI ATM by setting a 4-digit PIN.
Use for dining, movies, and groceries — Use the card at restaurants, cinema halls, and grocery stores to earn 10X reward points. The 10X is capped at 10,000 points per month.
Use the 1 free lounge visit — The card includes 1 domestic lounge visit per year via Dreamfolks. Register on Dreamfolks and link the card before your first travel.

Common mistakes to avoid

The 10X is restricted to direct POS transactions — Swiggy, Zomato, and online food delivery apps do not qualify. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

Use MILIFE for offline dining and grocery to maximise 10X
Track the 10,000 points/month cap in the SBI Card app
Pair with SBI SimplyCLICK for online shopping
Register on Dreamfolks and link the card before your first trip

Frequently asked questions

Is SBI Card MILIFE lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 10X cap?

10X on dining, movies, and groceries is capped at 10,000 points per month.

Does the 10X apply to Swiggy?

No. The 10X is restricted to offline POS transactions.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

SBI credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Understanding MCC codes on Indian credit cards — the merchant-category codes that decide whether a transaction earns rewards