SBI Card MILES
SBI Card
Annual / renewal fee
₹1,499 plus applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Earn rate
- 2 Travel Credits for every ₹200 spent on Travel Spends.
- 1 Travel Credit for every ₹200 spent on Other Spends.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
SBI Card MILES by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹1,499 plus applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Fee waiver
- Renewal fee of ₹1,499 waived on annual spends of ₹6 Lakh or more in the preceding year.
- Cardholder is eligible for reversal of the annual card fee upon achieving the required Net Retail Spends (retail spends minus reversals) on eligible transactions during the 365 days immediately preceding the annual fee billing date.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Renewal fee
₹1,499 (waived off on annual spends of ₹6 Lakh or more in the preceding year).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Rewards
- 2 Travel Credits for every ₹200 spent on Travel Spends.
- 1 Travel Credit for every ₹200 spent on Other Spends.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM IST
Redemption value
- 1 Travel Credit = ₹1 for Air Mile/Hotel Point.
- 1 Travel Credit = ₹0.50 for Travel Bookings.
- 1 Travel Credit = ₹0.25 for Shop & Smile Product Catalogue.
- If reward points redeemed are adjusted as statement debit, 1 Reward Point = ₹0.50.
- Minimum redemption 2000 Travel Credits, in multiples of 2000.
- Rewards Redemption Fee ₹99.
- Travel Credits valid for 24 months from date of accrual.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Reward cap
- Maximum Travel Credits that can be earned on online and offline spends in a calendar month is capped at 5,000.
- After reaching this cap, spends for that statement month will not earn any Travel Credit.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Reward exclusion
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Travel & lounge
Lounge access
- Complimentary Priority Pass membership (valid 24 months from date of issue) for primary cardholder.
- Domestic Priority Pass lounges (within India): 8 complimentary visits per membership year, spend-based (1 visit per ₹1 lakh spend).
- International Priority Pass lounges (outside India): visits chargeable.
- Visit and guest charges: USD 27 + applicable taxes per visit, chargeable after complimentary visits.
- All Airport Lounge visits within India through International Lounge Access Programs (Priority Pass) charged usage fee of up to USD 27 per visit + applicable taxes.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Travel benefit
- Travel Credits can be redeemed by converting into Air Miles and Hotel Points across airline and hotel partners.
- Conversion ratio into Air Miles and Hotel Points varies across airline and hotel partners.
- Travel Credit transfer requests are processed within a TAT of up to 21 days and are available only to the primary cardholder.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Complimentary fraud liability cover: SBI Miles Credit Card is protected against unauthorised usage up to ₹1,00,000 of financial loss due to fraudulent usage.
- Protection covers misuse up to 3 days prior to first report and up to 7 days post reporting.
- Insured by The Oriental Insurance Company Limited.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Milestone benefit
- Additional airport lounge visits on spends: with every spend of ₹1 Lakh cardholder earns an additional lounge visit, capped at 8 visits in a membership year for SBI Card MILES.
- On reaching each ₹1 lakh spend a 12-digit code is sent via SMS/Email to generate a complimentary lounge voucher (QR code), sent within 120 days of becoming eligible.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Eligibility
Eligibility
- Add-on cards can be issued to spouse, parents, siblings and children over 18 years of age.
- Salaried applicants aged 21-65 years.
- Self-employed aged 25-70 years (per SBI Card issuance policy).
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3% for SBI Card Miles.
- Dynamic Currency Conversion Fee: 3% for SBI Card Miles (charged on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Charge
- Finance charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Advance Fee: 2.5% of transaction amount subject to minimum ₹500 at domestic and international ATMs.
- Cash Payment Fee: ₹250.
- Cheque Payment Fee: ₹200.
- Payment Dishonour Fee: 2% of Payment Amount subject to minimum ₹500.
- Overlimit Fee: 2.5% of overlimit amount subject to minimum ₹600.
- Card Replacement Fee: ₹100 - ₹250.
- Dynamic Currency Conversion Fee: 3% for SBI Card Miles.
- Rewards Redemption Fee: ₹99.
- Processing Fee on Rent Payment Transactions: ₹199 (MCC 6513).
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
- Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on Education Payments made via third-party apps (payments directly to colleges/schools via websites or POS exempt).
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
- Late Payment Charges: Nil up to ₹100.
- ₹100 for >₹100-₹500.
- ₹500 for >₹500-₹1,000.
- ₹750 for >₹1,000-₹10,000.
- ₹950 for >₹10,000-₹25,000.
- ₹1,100 for >₹25,000-₹50,000.
- ₹1,300 for >₹50,000.
- Additional ₹100 on missing MAD for two consecutive cycles.
- Add on Fee: Nil.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Fuel surcharge waiver
- 1% fuel surcharge waiver (excluding GST) on eligible transactions.
- On SBI Card MILES applicable on fuel transaction amounts ranging from ₹500 to ₹3,000, with maximum surcharge waiver of ₹250 per billing statement, per credit card account.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Interest-free period
- Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
- Not applicable if previous month's balance is not cleared in full or if cash was withdrawn from an ATM.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)1 Aug 2026, 11:40 PM ISTSBI Card
Transfers
Transfer partner
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Transfer rule
- Travel Credits can be transferred to participating travel loyalty programs (airline miles / hotel points) only by the primary cardholder to an account belonging to them.
- Transfer requests processed within a TAT of up to 21 days.
- All transfers are final and cannot be reversed or refunded.
- The conversion ratio into Air Miles and Hotel Points varies across airline and hotel partners.
VerifiedTerms & Conditions – SBI Card MILES (Base)1 Aug 2026, 11:40 PM ISTSBI Card
Common questions
What is the annual fee on the SBI Card MILES?
Officially traced: Rs. 1,499 plus applicable taxes.
Most Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES)Is the SBI Card MILES annual fee ever waived?
Renewal fee of Rs.1,499 waived on annual spends of Rs.6 Lakh or more in the preceding year.
Terms & Conditions – SBI Card MILES (Base)How does the SBI Card MILES earn rewards?
2 Travel Credits for every Rs.200 spent on Travel Spends.
Terms & Conditions – SBI Card MILES (Base)What lounge access does the SBI Card MILES include?
Complimentary Priority Pass membership (valid 24 months from date of issue) for primary cardholder.
Terms & Conditions – SBI Card MILES (Base)What are the transfer ratios for SBI Card MILES points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-01 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )