SBI Miles PRIME Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
2.5%
12 visits/yr
Contents
SBI Card Miles PRIME is a travel-focused rewards card that gives accelerated Travel Credits on travel spends, complimentary lounge access and milestone bonuses. It suits frequent travellers who want travel credits, Priority Pass benefits and periodic fee waivers. Low forex markup and travel insurance add extra value for international journeys.
Features of SBI Miles PRIME Credit Card which makes it unique
Travel Credits System
Earn Travel Credits instead of conventional points; redeem for flights, hotels or transfer to partners
Flexible travel redemptions
Often better value vs catalogue redemptions
Rewards Structure of SBI Miles PRIME Credit Card
Milestones of SBI Miles PRIME Credit Card
Annual Milestone
₹8,00,000 : 10,000 Travel Credits and possible fee reversal on meeting annual milestone.
Spend Bonus
₹1,00,000 : Extra domestic lounge visit(s) and incremental Travel Credits as per issuer slab.
Fees & Charges of SBI Miles PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 2.5% |
| 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 reversal/waiver on meeting eligible annual spend thresholds as per card T&C.
Fee Explanation Standard bank rates and taxes apply for overdue amounts and fees. See issuer T&C for exact charges and GST treatment.
Detailed Explanation of SBI Miles PRIME Credit Card Fees
Joining Fee: 2999 (one-time)
Standard joining fee charged at issuance; vouchers or fee reversals may apply per promotions.
Annual Fee: 2999 (yearly)
Waiver or reversal available on meeting annual spends as per issuer rules.
Cash Advance Fee: 2.5% (transaction)
Minimum charge may apply; cash advances attract interest from day one.
Lounge Access Benefits with SBI Miles PRIME Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: Yes
Domestic lounge visits limited per year; extra visits earned per incremental spends.
international Lounges
silverVisits per year: 4
Guest access: No
Priority Pass complimentary visits subject to membership terms for initial years.
Insurance Coverage with SBI Miles PRIME Credit Card
Travel insurance
₹1,00,00,000Coverage and limits as per policy terms for international trips.
Lost card liability
₹1,00,000As per issuer liability policy and conditions.
Additional Features of SBI Miles PRIME Credit Card
Contactless Payments
Tap-and-pay enabled on POS terminals
Smart EMI
EMI conversion options at checkout for eligible merchants
Welcome Bonus with SBI Miles PRIME Credit Card
Welcome Bonus: 3,000 Travel Credits
Bonus Conditions: Welcome Travel Credits awarded on achieving ₹60,000 spends within 60 days of card issuance. Additional travel credits available via milestone and spend-based rewards.
Application Process for SBI Miles PRIME Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via issuing bank portal or partner site
Upload KYC and income documents
Receive verification call or OTP
Card dispatched within standard processing period
Required Documents for SBI Miles PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Miles PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Miles PRIME Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC documents required. Subject to RBI and issuer eligibility checks.
How Approval Is Decided
- Minimum income as per variant criteria
- Indian resident
- Satisfactory credit history and score
Pros of SBI Miles PRIME Credit Card
- Strong travel rewards and milestone bonuses
- Complimentary lounge access
- Low-ish forex markup compared to many cards
Cons of SBI Miles PRIME Credit Card
- Relatively high joining and annual fees
- Welcome bonus requires front-loaded spend target
- Best value realised only by frequent travellers
Frequently Asked Questions about SBI Miles PRIME Credit Card
How many lounge visits do I get?
Prime typically offers complimentary domestic lounge visits (about 8/year) and limited international lounge access/priority pass benefits subject to terms.
What is the forex markup on this card?
Forex markup for the Prime variant is around 2.5% on international transactions; check issuer T&C for exceptions.
How can I get the annual fee waived?
Annual fee reversal or waiver is available on meeting specified annual spend thresholds or promotional criteria as per issuer policy.
How do Travel Credits work and where can I redeem them?
Travel Credits can be used for flight/hotel bookings via the issuer's travel catalogue or converted per partner transfer rules. Redemption value varies by option.
What is the welcome bonus for SBI Card Miles PRIME?
You earn 3,000 Travel Credits on achieving ₹60,000 spends within the first 60 days of card issuance. Check your welcome voucher for exact T&C.
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