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CRED Sovereign Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

CRED Sovereign Credit Card versus SBI Card MILES PRIME compared
FeatureCRED Sovereign Credit CardCRED Sovereign Credit CardIndusInd Bank1 recent change →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
RewardsRewards not published0.5% base, up to 1% on travel
UPI payments (scan and pay)Not statedEarns nothing
Online shoppingNot stated0.5%
Dining and food deliveryNot stated0.5%
GroceriesNot stated0.5%
Travel: flights, hotels, trainsNot stated1%
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot statedEarns nothing
Wallet top-upsNot statedEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyNot stated0.5%
Everything elseNot stated0.5%
Card identity
Card typePremiumTravel
NetworkRuPayMastercard
Card tierSuper premiumPremium
Fees
Joining fee-₹2,999 + GST
Annual fee-₹2,999 + GST
Fee waived at-₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment type-BOTH
Rewards
Reward type-Air miles
Point value-₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits-8
International lounge visits-4
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition-8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup-2.5%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents needed-PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
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Best For

CRED Sovereign Credit Card

    Nothing stands out from the published figures.

    SBI Card MILES PRIME
    • Frequent flyers
    • People who spend heavily on travel
    • Travellers who want Priority Pass access

    Watch-Outs

    CRED Sovereign Credit Card
    • Skip it if you spend a lot on UPI payments, online shopping, dining or groceries: the card's terms do not state a rate there, so we count nothing
    SBI Card MILES PRIME
    • Fee waiver needs Rs 10 lakh a year, which most people will not reach
    • Base return of about 0.5% is low
    • Credits are worth the most only when redeemed for travel

    Card data sourced via CardAdvisor.in (CRED Sovereign Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

    Questions People Ask

    Can I hold more than one of these cards?

    Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

    Work Out the Numbers

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