SBI Card Miles
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Reward Rate — Travel Spend: Official: 2 Travel Credits per ₹200 spent on TRAVEL
Overview
SBI Card Miles by SBI Card provides premium value tailored for Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Reward Rate — Travel Spend: Official: 2 Travel Credits per ₹200 spent on TRAVEL
- • PaisaSimple: 'Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends'
- • Reward Rate — Other/Standard Spend: Official: 1 Travel Credit per ₹200 on OTHER (non-travel) spends
- • PaisaSimple: 'Base Rewards: 2 Travel Miles per ₹200 on all standard retail spends'
- • Reward Rate on Travel Spend: 2 Travel Credits per ₹200 spent on travel
- • Reward Rate on Other/Standard Spend: 1 Travel Credit per ₹200 on other (non-travel) spends
Welcome Benefit
Welcome Benefit Qualification: Official: credited on spends of ₹30,000 within 60 days of card issuance; Welcome Benefit Condition: Credited on spends of ₹30,000 within 60 days of card issuance
Milestone Benefit
Milestone — Extra Lounge Visit per ₹1L spend: Official: 1 additional domestic lounge visit for every ₹1 lakh spent, over and above complimentary visits; Milestone — Extra Lounge Visit: 1 additional domestic lounge visit per ₹1 lakh spent beyond complimentary visits
Redemption
- • Redemption Options: PaisaSimple: 1:1 conversion to airline partners (Air India, Etihad, Qatar Airways, Singapore Airlines, IHG)
- • direct bookings on SBI Card Miles portal
- • Redemption / Airline Partners: Not shown on captured official pages
Benefits
- Domestic Lounge Access: PaisaSimple: 4 per year (1/quarter) via Mastercard/RuPay
- International Lounge Access: PaisaSimple: 2 per year via Priority Pass
- Travel Insurance: PaisaSimple: complimentary air accident cover of ₹1 Crore + lost luggage/passport insurance (SBI General Insurance)
- Add-on Card Fee: Official: Nil
- Add-on Cards: Available for parents, spouse, children, siblings above age 18
- Safe & Secure / Easy Bill Pay / Balance Transfer on EMI: All detailed on official 'Features' tab
- Add-on Card Fee: Nil
- Fuel Surcharge Waiver Rate: 1% on transactions ₹500–₹4,000
- Domestic Airport Lounge: '4 complimentary domestic airport lounge visits every quarter (max. 2 visits per quarter)' — ambiguous but implies more than 4/year
- International Airport Lounge: Priority Pass membership worth $99
- access to 1,000+ international lounges worldwide — no explicit annual visit cap shown
- Fuel Surcharge Waiver: 1% on transactions ₹500–₹4,000, max ₹250/statement cycle
- Add-on Cards: Available for parents, spouse, children, siblings above age 18
- Balance Transfer on EMI: Transfer other banks' card balances at lower interest, repay via EMI
Things to Know Before you apply
SBI Card Miles Eligibility Criteria
- Age: 21–65 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹6 |
| Renewal Fee | ₹1,499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Cash Advance Fee: 2.5% of amount, min ₹500; Cash Advance Fee: Not shown on captured pages |
PaisaSimple Review
Overall Rating
4.9/5Pros
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
4.9/5
4.9/5
5.0/5
Highest ratedFee Details
Joining Fee
₹1,499
Annual Fee
₹6
Joining Fee
₹1,499
Annual/Renewal Fee
₹1,499
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Welcome Benefit Qualification: Official: credited on spends of ₹30,000 within 60 days of card issuance
- • Welcome Benefit Condition: Credited on spends of ₹30,000 within 60 days of card issuance
- • Welcome Benefit Amount: 1,500 Reward Points worth ₹1,500
- • Welcome Benefit Extra Cashback: PaisaSimple adds '₹500 cashback on first train ticket booked within 45 days'
- • Welcome Benefit Qualification: PaisaSimple: payment of joining fee within 30 days of card issuance, credited within 45 days
- • Welcome Benefit Amount: 1,500 reward points worth ₹1,500
- • Welcome Benefit — Extra ₹500 Cashback: Not mentioned
- • Welcome Benefit Trigger: 'On payment of 1st Annual Fee' (no specific day windows stated)
- • Welcome Cashback on First Train Ticket: Not mentioned
- • Welcome Benefit - 1,000 points + 1,000 ixigo Money: Same
Reward/Cashback Rate
- • Reward Rate — Travel Spend: Official: 2 Travel Credits per ₹200 spent on TRAVEL
- • PaisaSimple: 'Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends'
- • Reward Rate — Other/Standard Spend: Official: 1 Travel Credit per ₹200 on OTHER (non-travel) spends
- • PaisaSimple: 'Base Rewards: 2 Travel Miles per ₹200 on all standard retail spends'
- • Reward Rate on Travel Spend: 2 Travel Credits per ₹200 spent on travel
- • Reward Rate on Other/Standard Spend: 1 Travel Credit per ₹200 on other (non-travel) spends
- • Reward Rate — Dining & Utility (standing instructions): 3 Reward Points per ₹125
- • Reward Rate — Other Retail Spend: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Ticket Booking: Up to 10% value back as Reward Points on AC1/AC2/AC3/Executive Chair Car/Chair Car bookings via IRCTC App/Website
- • Reward Rate — Dining/Utility: 3 Reward Points per ₹125
- • Reward Rate — Other Retail: 1 Reward Point per ₹125 (non-fuel)
- • Accelerated Rewards — IRCTC Bookings: Up to 10% value back as Reward Points (same class list)
- • Excluded Categories: Non-fuel retail purchases implied as eligible for base rate (fuel excluded)
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Pros
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
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Cons
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
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