SBI Card MILES

Joining fee

₹1,499 + GST

Renewal fee

₹1,499 + GSTRs. 1,499 + taxes from second year onwards

Fee waiver rule

Fee waived if you spend ₹6 lakhs.

Add-on card fee

₹0Nil

Welcome benefit

Get 1,500 Travel Credits as Welcome Gift.

Reward rate

1 Travel Credit per ₹200 · everyday spends1 Travel Credit for every ₹200 on other spends.

Travel earning

2 Travel Credits per ₹200 spent on travel.

Reward exclusions

Travel Credits accrual exclusion on Fuel, EMI, Wallet Upload, Property Rental, Utilities and Insurance categories

Catalogue redemption

Redeem credits for Air Miles / Hotel Points (1 Travel Credit = Re. 1)

Redeeming points for travel

Redeem credits for Travel Bookings (1 Travel Credit = ₹0.50)

Voucher and product redemption

Redeem credits for Shop & Smile Catalogue (1 Travel Credit = ₹0.25)

Point expiry

24 months

Domestic lounge access

4 complimentary domestic airport lounge visits every year (max. 2 visits per quarter)

Priority Pass

Complimentary Priority Pass Membership worth $99.

Milestone benefits

5,000 Bonus Travel Credits on annual spends of ₹5 lakhs.

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks’ credit cards to your SBI Card MILES at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs.

Forex markup

3% on foreign currency transactions.

Dynamic currency conversion markup

3%3% for SBI Card Miles

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash withdrawal limit

₹15,000 per day on ATM Withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20-50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full)

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600)

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Statement or duplicate statement fee

Duplicate monthly statements are provided only for a period of six months preceding the request and are subject to a service charge

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Charge for lounge visits beyond the free limit

$27 + applicable taxes per Priority Pass lounge visit after complimentary visits

Cheque payment / dishonour fee

₹200

Education / school fee charge

W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps; payments made directly to colleges or schools via their websites or POS machines will not attract any fee

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99+ applicable taxes

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding