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COFFERCards. Points. Value.
SBI Card MILES PRIME credit card
SBI Card

SBI Card MILES PRIME

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Mid-tier · Open to new applications · Earns points

First-year fee

₹2,999 to join.

Annual fee

₹2,999 a year.

Read from 10 SBI Card documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹2,999 annual fee: of the 273 other open cards whose annual fee we have read, 215 state a lower one, 9 state the same and 49 state a higher one.

2.5% forex markup: of the 291 other open cards whose forex markup we have read, 64 state a lower one, 7 state the same and 220 state a higher one.

Fees

  • Renewal fee

    ₹2,999 a year.

  • Joining fee

    ₹2,999 to join.

  • Fee waiver rule

    Waived off on annual spends of ₹10 Lakh or more in the preceding year

  • Add-on card fee

    ₹0

Rewards

  • Point expiry

    Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

Charges

  • Forex markup

    2.5% on foreign currency transactions.

  • Dynamic currency conversion markup

    2.5%2.5% for SBI Card Miles Prime

  • 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 interest-free when you pay in full.

  • Late payment fee

    ₹100 - ₹1300 (Nil for outstanding Amount due from ₹0- ₹100)

  • Over-limit fee

    2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

  • 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

  • Cheque payment / dishonour fee

    Cheque Payment Fee: ₹200

  • Education / school fee charge

    Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

  • Reward redemption fee

    Rewards 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+Applicable Taxes as processing fee

  • 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

    Haryana - Central Tax @ 9% and State Tax @ 9%; other than Haryana - Integrated Tax @ 18%

  • 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

Transfer partners
In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    Outstanding balance from previous months: finance charges will be levied on retail spends, cash advance and finance charge till the payment date

How we know - 10 documents from SBI Card, checked 19 Oct 2026

10 documents from SBI Card, checked 19 Oct 2026.

  • Key Fact Statement5 Oct 2026Proof
  • Linked page on www.sbicard.com5 Oct 2026Proof
  • Fees and charges pageProof
  • MITCProof
  • Lounge access termsProof
  • Reward points termsProof
  • Card pageProof
  • Card terms and conditionsProof
  • SBI Card Miles Prime TncProof
  • Key Fact StatementProof

On these lists

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₹2,999 a year

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