SBI Card MILES PRIME
SBI Card · Visa · Premium card
Its ₹8 lakh milestone can materially lift yearly value for travelers who redeem through airline or hotel transfer partners and can use both domestic and international airport lounges.
Frequent travelers who can reach the ₹8 lakh milestone and redeem Travel Credits through airline or hotel partners.
Terms checked 13 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 1%
- Forex markup
- 2.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 2% |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹10,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Additional domestic Priority Pass vouchers are earned for each ₹1 lakh spend, capped at twelve in a membership year.
4 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
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
Prime Travel Credits on travel
Usage-based value4 Travel Credits per ₹200 on eligible travel purchases identified by the issuer travel MCC list.
Other eligible Prime Travel Credits
Usage-based value2 Travel Credits per ₹200 on other eligible retail purchases.
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,999Annual fee may be waived after ₹10,00,000 of eligible annual spending.
Conditions: Reach ₹10,00,000 eligible annual spending
Welcome benefits · 1 item
3,000 Travel Credits
Recorded value ₹750Welcome Travel Credits conservatively valued at ₹0.25 each; partner-transfer value can be higher.
Conditions: Spend ₹60,000 on eligible purchases within 60 days
Spend milestones · 1 item
10,000 Travel Credits at ₹8 lakh
10,000 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
Airport lounge access · 3 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified. Additional domestic Priority Pass vouchers are earned for each ₹1 lakh spend, capped at twelve in a membership year.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: chargeable.
One additional domestic lounge voucher for every ₹1 lakh spend, capped at twelve per membership year
Shown without a cash value
Travel privileges · 2 items
Travel Credits expire 24 months after receipt
Shown without a cash valueFour Travel Credits per ₹200 on eligible travel and two per ₹200 on other eligible spend
Shown without a cash value
Insurance and protection · 4 items
Lost-card fraud-liability cover up to ₹1 lakh
Shown without a cash valueChecked-baggage loss up to ₹72,000 and delay up to ₹7,500
Shown without a cash valueTravel-document loss up to ₹12,500 and baggage damage up to ₹5,000
Shown without a cash valueFlight-cancellation cover up to ₹3,500 per claim for up to six claims yearly
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 twelve per membership year
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2.5% 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 PRIME.
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
- ✓ Four Travel Credits per ₹200 on eligible travel and two per ₹200 on other eligible spend
- ✓ 3,000 welcome Travel Credits after ₹60,000 spend within 60 days
- ✓ 10,000 milestone Travel Credits at ₹8 lakh anniversary-year spend
- ✓ Two domestic lounge visits per quarter, four international visits yearly and up to twelve spend-linked vouchers
What to watch
The displayed value assumes ₹1 partner-transfer redemptions. SBI travel bookings value a Travel Credit at ₹0.50, while catalogue redemptions value it at ₹0.25; the fee waiver needs ₹10 lakh yearly spend.
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
Air-accident cover discontinued
SBI Card discontinued the former complimentary air-accident insurance benefit.
- Before
- The card included ₹1 crore air-accident cover.
- After
- The air-accident cover is no longer part of the current card benefits.
Checked 21 Sept 2026SBI Card insurance 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 15 Jul 2025