SBI Card MILES
SBI Card · Visa · Mid card
Provides an accessible route into transferable airline and hotel rewards, with a lower fee than the Prime variant and a meaningful ₹5 lakh milestone.
Moderate travel spenders who want transferable rewards and expect to reach ₹5 lakh of eligible yearly spend.
Terms checked 13 Sept 2026
- Annual fee
- ₹1,499 + GST
- Joining fee
- ₹1,499 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 1% |
| Online shopping | 0.5% |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹6,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not specified
Additional domestic Priority Pass vouchers are earned for each ₹1 lakh spend, capped at eight in a membership year.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 2 items
Travel Credits on travel
Usage-based value2 Travel Credits per ₹200 on eligible travel purchases identified by the issuer travel MCC list.
Other eligible Travel Credits
Usage-based value1 Travel Credit per ₹200 on other eligible retail purchases.
Fees · 2 items
Annual card fee
Cost ₹1,499₹1,499 annual fee before applicable tax.
Joining fee
Cost ₹1,499₹1,499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,499Annual fee may be waived after ₹6,00,000 of eligible annual spending.
Conditions: Reach ₹6,00,000 eligible annual spending
Welcome benefits · 1 item
1,500 Travel Credits
Recorded value ₹375Welcome Travel Credits conservatively valued at ₹0.25 each; partner-transfer value can be higher.
Conditions: Spend ₹30,000 on eligible purchases within 60 days
Spend milestones · 1 item
5,000 Travel Credits at ₹5 lakh
5,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not specified. Additional domestic Priority Pass vouchers are earned for each ₹1 lakh spend, capped at eight in a membership year.
One additional domestic lounge voucher for every ₹1 lakh spend, capped at eight per membership year
Shown without a cash value
Travel privileges · 2 items
Travel Credits expire 24 months after receipt
Shown without a cash valueTwo Travel Credits per ₹200 on eligible travel and one per ₹200 on other eligible spend
Shown without a cash value
Insurance and protection · 1 item
Lost-card fraud-liability cover up to ₹1 lakh, including the published pre-reporting and post-reporting windows
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹500-₹3,000 transactions, capped at ₹250 per billing statement
Shown without a cash value
Memberships · 1 item
One additional domestic lounge voucher for every ₹1 lakh spend, capped at eight per membership year
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish a universal numeric income threshold for MILES.
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Two Travel Credits per ₹200 on eligible travel and one per ₹200 on other eligible spend
- ✓ 1,500 welcome Travel Credits after ₹30,000 spend within 60 days
- ✓ 5,000 milestone Travel Credits at ₹5 lakh anniversary-year spend
- ✓ One domestic lounge visit per quarter plus up to eight spend-linked lounge vouchers yearly
What to watch
The displayed value assumes Travel Credits are transferred to eligible airline or hotel partners at ₹1 each. SBI travel bookings value them at ₹0.50 and catalogue redemptions at ₹0.25.
Recorded exclusions
Fuel Commute · Bills Utilities · Rent · Cash withdrawal · Balance transfer · Emi · Encash · Wallet load · Cashback transactions
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Base domestic lounge allowance reduced
SBI Card reduced the quarterly domestic lounge allowance on the base MILES card.
- Before
- Two domestic airport lounge visits were available per quarter.
- After
- One domestic airport lounge visit is available per quarter.
Checked 21 Sept 2026SBI Card lounge benefit notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 10 Jan 2026