SBI Miles Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹1,499
₹1,499
1.99%
4 visits/yr
Contents
SBI Card Miles is an airline-agnostic travel rewards card focused on earning Travel Credits for flight and travel redemptions. It provides complimentary domestic lounge access, milestone travel credits and flexible redemption options via SBI's travel catalogue. Ideal for frequent travellers who want straightforward travel credits and decent reward rates.
Features of SBI Miles Credit Card which makes it unique
Travel Credits
Earn Travel Credits that can be redeemed for flights, hotels and travel bookings
Simple travel-focussed value
Airline-agnostic travel credits
Milestone Rewards
Bonus travel credits on hitting spend thresholds
Extra travel value for big spenders
Competitive milestone bonuses
Rewards Structure of SBI Miles Credit Card
Travel
acceleratedAirlines, hotels and travel bookings
Higher earn on travel spends; Travel Credits redeemable for flights/hotels
Dining
baseRestaurants and dining merchants
Standard earn rate on dining
Other
baseAll other retail spends except excluded categories
Regular earn on general retail spend
Milestones of SBI Miles Credit Card
Quarterly Milestone
₹50,000 : Bonus Travel Credits
Annual Milestone
₹1,00,000 : 5,000 Travel Credits
Fees & Charges of SBI Miles Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹2,00,000 annual spend
Fee Explanation Fees shown are indicative; SBI Card's prevailing T&Cs and charges apply.
Detailed Explanation of SBI Miles Credit Card Fees
Joining Fee: 1499 (one-time)
Payable at issuance (plus applicable taxes)
Annual Fee: 1499 (yearly)
Waived on ₹2,00,000 annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500
Lounge Access Benefits with SBI Miles Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge access included; additional visits may be available with higher spends or premium variants
Insurance Coverage with SBI Miles Credit Card
Travel insurance
₹10,00,000Coverage depends on card variant and travel booking route
Additional Features of SBI Miles Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available as per SBI Card policy
Welcome Bonus with SBI Miles Credit Card
Welcome Bonus: 5,000 Travel Credits
Bonus Conditions: Welcome Travel Credits awarded to new customers on meeting the specified spend within the stated period. Standard T&Cs apply.
Application Process for SBI Miles Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or partner site
Upload KYC documents
Receive verification call or email
Card dispatched within 5-7 business days
Required Documents for SBI Miles Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Miles Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Miles Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar and meet SBI Card eligibility criteria.
How Approval Is Decided
- Credit score above 700
- Minimum income ₹30,000/month
- Indian resident
Pros of SBI Miles Credit Card
- Straightforward travel credits
- Useful milestone bonuses
- Complimentary domestic lounge access
Cons of SBI Miles Credit Card
- Annual fee applies
- Lower earn on non-travel retail spends
Frequently Asked Questions about SBI Miles Credit Card
Is there a joining fee?
Yes. The typical joining fee is ₹1,499 (plus applicable taxes).
How do I earn the welcome bonus?
Meet the specified spend (for example, ₹1,00,000) within the welcome period to receive the stated Travel Credits.
What are Travel Credits?
Travel Credits are SBI Card's travel-focused reward units that can be redeemed for flights, hotels and travel bookings through SBI's portals or partners.
How can I get the annual fee waived?
Annual fee waiver is available on meeting the stated annual spend threshold (for example, ₹2,00,000).
Are reward points transferable to airline miles?
Some transfers are possible but conversion rates and minimum transfer amounts vary by partner.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.