Multi-Partner Air Miles & Hotel Rewards with 8 Domestic & 4 International Lounges
Frequent domestic and international travelers seeking direct 1:1 air mile conversions across multiple global airline and hotel partners without high luxury card fees.
₹2,999
One-time upfront₹2,999
Waived on ₹5 lakh annual spendGet 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.
On eligible spends2 Domestic visits/quarter + 4 International visits/year
Complimentary visitsLast verified 10 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The SBI Card MILES PRIME marks SBI Card's strategic evolution into dedicated frequent-flyer products, bridging the gap between mass-market lifestyle cards and ultra-expensive five-figure super-premium offerings. Its standout architecture revolves around 'Travel Credits' earned directly on expenditures—awarding 4 Travel Credits per ₹200 on airline tickets, hotel stays, and travel booking platforms, and 2 Travel Credits per ₹200 on all other eligible retail transactions. Crucially, these credits can be transferred 1:1 to a curated roster of international airline frequent flyer programmes (including Singapore Airlines KrisFlyer, Air France-KLM Flying Blue, and Etihad Guest) and hotel loyalty programmes (such as Club ITC and IHG One Rewards), or redeemed at ₹0.50 per credit via the SBI Card Travel portal. From an experiential standpoint, the card bundles comprehensive airport comfort into an accessible ₹2,999 annual fee structure. Cardholders receive 8 complimentary domestic airport lounge visits annually (2 per calendar quarter) alongside 4 complimentary international lounge visits per year via Priority Pass. The welcome benefit of 3,000 Travel Credits (credited upon payment of the joining fee) provides an immediate ₹1,500 to ₹3,000 in redemption value, effectively offsetting a substantial portion of the initial acquisition cost. Furthermore, achieving ₹5,00,000 in annual retail spending unlocks a full renewal fee waiver. Prospective applicants must, however, weigh key caveats. The standard foreign currency markup remains at 3.50% + GST, meaning overseas card swipes incur substantial exchange penalties compared to zero-forex alternatives. In addition, routine utility, fuel, rent, and government transactions are excluded from travel credit accrual. For travelers who spend substantially on flights and accommodation within India and desire flexibility across multiple global airline alliances, SBI Card MILES PRIME serves as a potent points accumulator.
Get 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.
Get 3,000 Travel Credits on spending ₹60,000 within 60 days of issuance.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel Bookings via SBI Card Travel Portal | 4 Voyage Miles per ₹100 spent | No Cap | Standard terms apply |
| All Other Spends | 2 Voyage Miles per ₹100 spent (1 Mile = ₹0.50 to ₹1.00 on partner transfers) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel Bookings via SBI Card Travel Portal | ₹12,000 | 4 Voyage Miles per ₹100 spent | — | None | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 2 Voyage Miles per ₹100 spent (1 Mile = ₹0.50 to ₹1.00 on partner transfers) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹2,999 + 18% GST (includes 3,000 Welcome Travel Credits upon fee payment). • Annual Renewal Fee: ₹2,999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹5,00,000 or more in the preceding anniversary year. • Travel Spends: 4 Travel Credits per ₹200 spent on flight bookings, hotel reservations, and travel portal purchases. • Other Retail Spends: 2 Travel Credits per ₹200 spent on eligible domestic and international retail transactions. • Miles Transfer Ratio: 1 Travel Credit = 1 Air Mile / Hotel Point with partner programmes (Singapore Airlines, Flying Blue, Etihad, IHG, Club ITC). • Portal Redemption: 1 Travel Credit = ₹0.50 for flight/hotel bookings via SBI Card Travel Portal. • Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (max 2 per calendar quarter). • International Lounge Access: 4 complimentary international lounge visits per year via Priority Pass. • Fuel Surcharge Waiver: 1% fuel surcharge waiver across petrol stations in India on transactions between ₹500 and ₹4,000 (max ₹250 per statement cycle). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.50% per month (42.0% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding SBI Card MILES PRIME application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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Rewards: Get 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other expenses.
Lounge access: 2 Domestic visits/quarter
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Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
