SBI Card MILES

Lounge access

• Complimentary Priority Pass membership (valid 24 months from date of issue) for primary cardholder.
• Domestic Priority Pass lounges (within India): 8 complimentary visits per membership year, spend-based (1 visit per ₹1 lakh spend).
• International Priority Pass lounges (outside India): visits chargeable.
• Visit and guest charges: USD 27 + applicable taxes per visit, chargeable after complimentary visits.
• All Airport Lounge visits within India through International Lounge Access Programs (Priority Pass) charged usage fee of up to USD 27 per visit + applicable taxes.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Forex markup

• Foreign Currency Transaction Fee: 3% for SBI Card Miles.
• Dynamic Currency Conversion Fee: 3% for SBI Card Miles (charged on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas).

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES) · 2026-08-01 · source

Charge

• Finance charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum finance charge ₹25.
• Cash Advance Fee: 2.5% of transaction amount subject to minimum ₹500 at domestic and international ATMs.
• Cash Payment Fee: ₹250.
• Cheque Payment Fee: ₹200.
• Payment Dishonour Fee: 2% of Payment Amount subject to minimum ₹500.
• Overlimit Fee: 2.5% of overlimit amount subject to minimum ₹600.
• Card Replacement Fee: ₹100 - ₹250.
• Dynamic Currency Conversion Fee: 3% for SBI Card Miles.
• Rewards Redemption Fee: ₹99.
• Processing Fee on Rent Payment Transactions: ₹199 (MCC 6513).
• Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
• Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on Education Payments made via third-party apps (payments directly to colleges/schools via websites or POS exempt).
• Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
• Late Payment Charges: Nil up to ₹100.
• ₹100 for >₹100-₹500.
• ₹500 for >₹500-₹1,000.
• ₹750 for >₹1,000-₹10,000.
• ₹950 for >₹10,000-₹25,000.
• ₹1,100 for >₹25,000-₹50,000.
• ₹1,300 for >₹50,000.
• Additional ₹100 on missing MAD for two consecutive cycles.
• Add on Fee: Nil.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES) · 2026-08-01 · source

Interest-free period

• Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
• Not applicable if previous month's balance is not cleared in full or if cash was withdrawn from an ATM.

Verified · Most Important Terms & Conditions (MITC) – SBI Card (all cards, including MILES) · 2026-08-01 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver (excluding GST) on eligible transactions.
• On SBI Card MILES applicable on fuel transaction amounts ranging from ₹500 to ₹3,000, with maximum surcharge waiver of ₹250 per billing statement, per credit card account.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Milestone benefit

• Additional airport lounge visits on spends: with every spend of ₹1 Lakh cardholder earns an additional lounge visit, capped at 8 visits in a membership year for SBI Card MILES.
• On reaching each ₹1 lakh spend a 12-digit code is sent via SMS/Email to generate a complimentary lounge voucher (QR code), sent within 120 days of becoming eligible.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Redemption value

• 1 Travel Credit = ₹1 for Air Mile/Hotel Point.
• 1 Travel Credit = ₹0.50 for Travel Bookings.
• 1 Travel Credit = ₹0.25 for Shop & Smile Product Catalogue.
• If reward points redeemed are adjusted as statement debit, 1 Reward Point = ₹0.50.
• Minimum redemption 2000 Travel Credits, in multiples of 2000.
• Rewards Redemption Fee ₹99.
• Travel Credits valid for 24 months from date of accrual.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Reward cap

• Maximum Travel Credits that can be earned on online and offline spends in a calendar month is capped at 5,000.
• After reaching this cap, spends for that statement month will not earn any Travel Credit.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Reward exclusion

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Transfer partner

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Transfer rule

• Travel Credits can be transferred to participating travel loyalty programs (airline miles / hotel points) only by the primary cardholder to an account belonging to them.
• Transfer requests processed within a TAT of up to 21 days.
• All transfers are final and cannot be reversed or refunded.
• The conversion ratio into Air Miles and Hotel Points varies across airline and hotel partners.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Travel benefit

• Travel Credits can be redeemed by converting into Air Miles and Hotel Points across airline and hotel partners.
• Conversion ratio into Air Miles and Hotel Points varies across airline and hotel partners.
• Travel Credit transfer requests are processed within a TAT of up to 21 days and are available only to the primary cardholder.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Insurance

• Complimentary fraud liability cover: SBI Miles Credit Card is protected against unauthorised usage up to ₹1,00,000 of financial loss due to fraudulent usage.
• Protection covers misuse up to 3 days prior to first report and up to 7 days post reporting.
• Insured by The Oriental Insurance Company Limited.

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source

Eligibility

• Add-on cards can be issued to spouse, parents, siblings and children over 18 years of age.
• Salaried applicants aged 21-65 years.
• Self-employed aged 25-70 years (per SBI Card issuance policy).

Verified · Terms & Conditions – SBI Card MILES (Base) · 2026-08-01 · source