State Bank of India
SBI Card MILES
Data last verified: 11 October 2026
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Reward rate0.25% base, up to 0.5% on travel
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- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Fee waiverOn ₹6 lakh spend a year
- Forex markup3%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
MILES earns up to 2 Travel Credits per Rs 200 on travel spends and fewer on other purchases. Credits can be turned into air miles, hotel points or travel bookings. Their value works out to about 0.5% on travel and 0.25% on other spends. You get 1,500 bonus credits for Rs 30,000 spent in 60 days, 5,000 more at Rs 5 lakh a year, and 4 domestic lounge visits.
It costs ₹1,499 a year plus GST and the fee is waived once you spend ₹6 lakh in the year. Most users will not reach that, so count the fee as a real cost.
It suits people who want flexible travel points and occasional lounges. The catch is a low reward rate, and the Priority Pass is membership only, with international visits charged at US$27.
Best for: Occasional travellers, People who like transferable travel points, Domestic flyers.
01SBI Card MILES Rewards and Benefits
02SBI Card MILES Annual Fee and Charges
- Joining fee
- ₹1,499 + GST
- Annual fee
- ₹1,499 + GST
- Spend-based waiver
- Annual fee waived on ₹6 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on travel: flights, hotels, trains, earning 0.5%₹25
- ₹15,000 on everything else, earning 0.25%₹38
- Back each month, ₹756 a year₹63
- Annual fee with 18% GST−₹1,769
- It costs you each year₹1,013
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel: 0.5% back
- Spending ₹50,000 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on travel: the 0.5% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹1,499 joining and annual fee, waived at ₹6 lakh yearly spend
- Up to 2 Travel Credits per ₹200 on travel spends
- Credits convert to air miles, hotel points or bookings
- 1,500 bonus credits on ₹30,000 spend in 60 days
- 5,000 bonus credits on ₹5 lakh yearly spend
- 4 domestic lounge visits a year
- 3% forex markup
05Pros and Cons
Pros
- Flexible travel credits
- Lower 3% forex fee than many SBI cards
- Welcome and milestone bonuses
Cons
- Low overall reward rate
- ₹6 lakh waiver is hard to reach
- International lounge visits are paid
06How SBI Card MILES earns Rewards
0.25% base, up to 0.5% on travel.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | The card's normal rate |
| Dining and food delivery | 0.25% | No cap | The card's normal rate |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | All merchants in the categoryTerms: 2 Travel Credits per ₹200 on travel (~0.5% at our 50p default, ~1% if you transfer at a good 1:1 ratio); transfer to 24 airline & hotel partners. Credits expire 24 months after they are earned |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1 Travel Credit per ₹200 on other spend (~0.25% at our 50p default valuation); fuel, rent, utilities, wallet loads, education, insurance, cash advances and EMI all earn nothing
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
07SBI Card MILES Lounge Access and Travel
Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. 4 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 Prior. Spending abroad carries a 3% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 at all petrol pumps, capped at ₹250 per statement cycle. Fuel spends still earn no Travel Credits
- Airport lounge access: 4 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 Priority Pass visit costs $27 plus taxes
- Milestone bonuses: 5,000 bonus Travel Credits on ₹5 lakh of annual spend
08SBI Card MILES Eligibility and Documents
- Age
- 21 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 23 Sept 2026 | Reduced: Air France-KLM Flying Blue removed as a transfer partnerSource: State Bank of India | Flying Blue at 1:1; 17 airline partners + 8 hotel partners (25 total) | Flying Blue removed; 16 airline partners + 8 hotel partners (24 total) |
| 13 Aug 2026 | Reduced: Etihad Guest removed as a transfer partnerSource: State Bank of India | Etihad Guest at 1:1; 18 airline partners + 8 hotel partners (26 total) | Etihad Guest removed; 17 airline partners + 8 hotel partners (25 total) |
| 23 Apr 2024 | Changed: SBI Card MILES launchedSource: State Bank of India | - | - |
See this card's change history → · All card changes in September 2026 →
10Cards Similar to SBI Card MILES
SBI Card MILES is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | SBI Card MILES |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹1,499 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹1,499 + GST | Lifetime free | Lifetime free |
| Rewards | 0.25% base, up to 0.5% on travel | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 3% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your SBI Card MILES Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹1,499 fee waived?
Yes, once you spend ₹6 lakh in a year. Below that the fee plus GST is charged.
Does it give international lounge access?
It includes Priority Pass membership, but international visits are charged at US$27 each.
How many domestic lounge visits do I get?
4 complimentary domestic lounge visits a year.
What is the forex markup?
It is 3% on foreign currency spends.
What is the joining fee for the SBI Card MILES?
The joining fee is ₹1,499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the SBI Card MILES?
The annual fee is ₹1,499 + GST.
Does the SBI Card MILES give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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