Share

SBI Card MILES vs 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.

SBI Card MILES versus SBI Card MILES PRIME compared
FeatureSBI Card MILESSBI Card MILESState Bank of India3 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.25% base, up to 0.5% on travel0.5% base, up to 1% on travel
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%0.5%
Dining and food delivery0.25%0.5%
Groceries0.25%0.5%
Travel: flights, hotels, trains0.5%1%
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency0.25%0.5%
Everything else0.25%0.5%
Card identity
Card typesameTravelTravel
NetworksameMastercardMastercard
Card tierMidPremium
Fees
Joining fee₹1,499 + GST₹2,999 + GST
Annual fee₹1,499 + GST₹2,999 + GST
Fee waived at₹6,00,000₹10,00,000
Eligibility
Min agesame21 years21 years
Max agesame70 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameAir milesAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹250₹250
Lounge access
Domestic lounge visits48
International lounge visits04
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge condition4 complimentary domestic airport lounge visits a year (max 2 in any quarter), plus 1 extra visit for every ₹1 lakh of spend, up to 8 more a year. Complimentary Priority Pass membership worth $99 free for the first 2 years, the membership only; each Prior8 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 markup3%2.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

SBI Card MILES
Rewards a year
₹756
Fee a year
- ₹1,769
You keep
- ₹1,013
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, SBI Card MILES comes out ₹1,026 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

SBI Card MILES
  • Occasional travellers
  • People who like transferable travel points
  • Domestic flyers
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

SBI Card MILES
  • Low overall reward rate
  • ₹6 lakh waiver is hard to reach
  • International lounge visits are paid
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 (SBI Card MILES, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, SBI Card MILES or SBI Card MILES PRIME?

SBI Card MILES. SBI Card MILES: ₹1,499; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; SBI Card MILES: 3%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: SBI Card MILES PRIME 0.5%, SBI Card MILES 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

SBI Card MILES: 4 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works