State Bank of India

SBI Card MILES PRIME

Data last verified: 11 October 2026

TravelMASTERCARDPriority Pass

Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Reward rate0.5% base, up to 1% on travel

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Fee waiverOn ₹10 lakh spend a year
Forex markup2.5%
Interest (APR)3.75% a month, 45% a year
Fuel surcharge waiver1%
Fuel waiver cap₹250 a month

The MILES PRIME earns travel credits, SBI's points for flights and hotels. You get 4 credits per Rs 200 on travel and 2 per Rs 200 on everything else, which works out to roughly 1% and 0.5% in value. New cardholders get 3,000 credits after spending Rs 60,000 in 60 days, and another 10,000 at Rs 8 lakh of spend in a year.

The fee is ₹2,999 a year and is waived only at Rs 10 lakh of annual spend. That is a high bar. Most people will pay the fee, so the lounge visits and milestone credits have to cover it.

It suits regular flyers who spend heavily on travel and will actually use 8 domestic and 4 international lounge visits a year. The honest catch is the modest base rate. If you do not travel often, a simple cashback card will return more.

Best for: Frequent flyers, People who spend heavily on travel, Travellers who want Priority Pass access.

01SBI Card MILES PRIME Rewards and Benefits

Rewards rate: 0.5% base, up to 1% on travel
Fee waived on: ₹10 lakh spend a year
Reward redemption: Not published
Dining: 0.5% back (the normal rate)
Travel: 1% back
Golf: Not included
Domestic lounge: 8 visits a year
International lounge: 4 visits a year
Insurance benefits: Not included

02SBI Card MILES PRIME Annual Fee and Charges

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST
Spend-based waiver: Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 2.5%
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 1%₹50
₹15,000 on everything else, earning 0.5%₹75
Back each month, ₹1,500 a year₹125
Annual fee with 18% GST−₹3,539
It costs you each year₹2,039

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: 1% back
Spending ₹83,333 or more a month: the ₹3,539 fee is waived
Flyers: 12 airport lounge visits a year

Skip it if…

you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹3,539 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 1% rate applies only there, everything else earns 0.5%
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

Joining and annual fee: ₹2,999
Fee waived on ₹10 lakh spend in a year
4 travel credits per ₹200 on travel, 2 per ₹200 on other spends
3,000 welcome credits on ₹60,000 spend in 60 days
10,000 bonus credits on ₹8 lakh annual spend
8 domestic and 4 international lounge visits a year, Priority Pass included
Forex markup: 2.5%

05Pros and Cons

Pros

Double travel credits on travel spends
A large 10,000 credit milestone at ₹8 lakh
Domestic and international lounge access with Priority Pass
Forex markup of 2.5% is lower than many cards

Cons

Fee waiver needs ₹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

06How SBI Card MILES PRIME earns Rewards

0.5% base, up to 1% on travel.

Earns nothing onFuelWallet loadsRentEducationUtility billsInsuranceCash withdrawalsEMI

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	0.5%	No cap	The card's normal rate
Dining and food delivery	0.5%	No cap	The card's normal rate
Groceries	0.5%	No cap	The card's normal rate
Travel: flights, hotels, trains	1%	No cap	All merchants in the categoryTerms: 4 Travel Credits per ₹200 on travel spends (~1.0% at our 50-paisa default; ~2% only if you transfer at a good 1:1 ratio). Convert to Air Miles/Hotel Points at up to 1:1, travel bookings at ₹0.50, catalogue at ₹0.25.
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	0.5%	No cap	The card's normal rate
Everything else	0.5%	No cap	The card's normal rate

Listed underTravel cards Premium cards

CardAdvisor tagsTravelAirline miles

Terms on the base rate. 2 Travel Credits per ₹200 on all other spends (~0.50% at our 50-paisa default; ~1% only if you transfer at a good 1:1 ratio). Transfer to airline & hotel partners at up to 1 Travel Credit = ₹1.

Point value. 1 point is worth about ₹0.5 at the bank's stated value.

07SBI Card MILES PRIME Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. 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. Spending abroad carries a 2.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, insurance cover, 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
Insurance cover: Lost card liability up to ₹1 lakh, up to 6 flight cancellations a year (₹3,500 each), check-in baggage loss up to ₹72,000, delay ₹7,500, travel documents ₹12,500, baggage damage ₹5,000.
Milestone bonuses: 10,000 bonus Travel Credits on annual spends of ₹8 lakh. Annual fee reversed on spends of ₹10 lakh in a membership year.

08SBI Card MILES PRIME 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) Recent passport-size photograph

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)
15 Jul 2025	Reduced: Air accident insurance withdrawnSource: State Bank of India	₹50 lakh	None
23 Apr 2024	Changed: SBI Card MILES PRIME launched	-	-

See this card's change history → · All card changes in September 2026 →

10Cards Similar to SBI Card MILES PRIME

SBI Card MILES PRIME 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 PRIME	Federal Scapia Credit card	IDFC FIRST Millennia Credit Card
Joining fee	₹2,999 + GST	Lifetime free	Lifetime free
Annual fee	₹2,999 + GST	Lifetime free	Lifetime free
Rewards	0.5% base, up to 1% on travel	2% on most spends; 4% only at partner merchants	0.38% base, up to 1.25% on dining
Domestic lounge	8 visits a year	Unlimited	Not included
Forex markup	2.5%	0%	0%
Type	Travel	Travel	Dining

Compare with Federal Scapia Credit card Compare with IDFC FIRST Millennia Credit Card

11Explore More

All State Bank of India productsEvery card, loan and account from State Bank of India on SkyloFin Travel credit cardsEvery travel card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹2,999 fee waived?

Yes, if you spend ₹10 lakh in a year. Below that the fee is charged.

How many lounge visits do I get?

8 domestic visits a year (2 per quarter) and 4 international visits, with a Priority Pass membership.

What is the welcome benefit?

3,000 travel credits once you spend ₹60,000 within 60 days of getting the card.

What is the joining fee for the SBI Card MILES PRIME?

The joining fee is ₹2,999 + 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 PRIME?

The annual fee is ₹2,999 + GST.

Does the SBI Card MILES PRIME give airport lounge access?

Yes. Domestic lounge access is 8 visits a year, international 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.

SBI Card MILES PRIMEJoining fee: ₹2,999 + GST

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