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

The joining fee is ₹2,999 + GST. Confirm current terms on the official issuer page before applying.

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

The annual / renewal fee is ₹2,999 + GST. Waiver: Annual fee reversed on spends of ₹10 lakh in a membership year. Confirm current terms on the official issuer page.

SBI Card · Mid-tier travel card

SBI Card MILES PRIME

Name: SBI Card MILES PRIME
Brand: SBI Card

The mid-tier of SBI's MILES family: the same 25+ transfer partners and ratios as the pricier MILES ELITE, just slower earn rates and a lower fee. The smart pick if you want transfer flexibility without ₹4,999 of annual commitment.

Source-traced to issuer Verified 2026-06-22

View on official site →

Fees & welcome

Joining fee

₹2,999 + applicable taxes.

Verified · SBI Card - Key Fact Statement · 2026-06-19 · source

Annual / renewal fee

₹2,999 + applicable taxes.

Verified · SBI Card Key Fact Statement (fees and charges) · 2026-06-21 · source

Fee waiver

Renewal fee waived off on annual spends of ₹10 Lakh or more in the preceding year.

Verified · SBI Card Key Fact Statement (fees and charges) · 2026-06-21 · source

Welcome benefit

3,000 Travel Credits on spending ₹60,000 within 60 days of card issuance (post joining fee payment).

Verified · SBI Card MILES PRIME product page · 2026-06-21 · source

Earn rates

Travel Spends: 4 Travel Credits for every ₹200 spent.
Other Spends: 2 Travel Credits for every ₹200 spent.

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Lounge & forex

Lounge access

8 complimentary Domestic Airport Lounge visits every year (max. 2 per quarter).
4 complimentary International Airport Lounge visits every year outside India (max. 2 per quarter) via complimentary Priority Pass Membership worth $99 (Priority Pass fees complimentary for first two cardholder membership years; primary cardholder only).
Plus 1 additional Domestic lounge visit for every ₹1 Lakh spend, capped at 12 visits in a membership year.

Verified · SBI Card MILES PRIME product page · 2026-06-21 · source

Forex markup

Foreign Currency Transaction Fee / Dynamic Currency Conversion Fee: 2.5% for SBI Card Miles Prime.

Verified · SBI Card Key Fact Statement (fees and charges) · 2026-06-21 · source

Who it's for

Best for

First-time miles collectors who want airline transfer partners at a mid-range fee.
Travellers spending ₹6–10 lakh/year where the milestone and fee reversal both land.
Domestic flyers who will actually use the 8 lounge visits.

Not ideal for

Heavy international spenders (the 2.5% forex markup is ordinary — MILES ELITE's 1.99% is better) and anyone wanting strong rewards on non-travel spending.
Travel Credits expire 24 months from accrual.

Fees & charges

Interest-free period

20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · SBI Card Key Fact Statement (fees and charges) · 2026-06-21 · source

Charge

Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards.
Minimum Finance Charges ₹25.
Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
Max cash withdrawal ₹15,000 per day.
Cash Payment fee ₹250.
Payment Dishonor fee 2% of payment amount (min ₹500).
Cheque Payment Fee ₹200.
Late Payment: Nil for ₹0-500, ₹400 (>₹500-1000), ₹750 (>₹1000-10,000), ₹950 (>₹10,000-25,000), ₹1100 (>₹25,000-50,000), ₹1300 (>₹50,000).
Additional Late Payment Charge ₹100.
Overlimit Fee 2.5% (min ₹600).
Card Replacement ₹100-₹250.
Rewards Redemption Fee ₹99.
Rent Payment processing fee ₹199.
Utility Payments Fee 1% if total exceeds ₹50,000 in a billing cycle (w.e.f. 1st Dec 2024).

Verified · SBI Card Key Fact Statement (fees and charges) · 2026-06-21 · source

Fuel

Fuel surcharge waiver

1% Fuel Surcharge Waiver across all petrol pumps (Govt. Service Tax extra as applicable).
Maximum Surcharge Waiver of ₹250 per month, per statement cycle.

Verified · SBI Card MILES PRIME product page · 2026-06-22 · source

Rewards

Milestone benefit

10,000 Bonus Travel Credits on reaching annual spends of ₹8 Lakh.
Plus 1 additional complimentary Domestic Airport Lounge visit for every spend of ₹1 Lakh (additional lounge visits capped at 12 visits in a membership year).

Verified · SBI Card MILES PRIME product page · 2026-06-21 · 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.
1 Reward Point = ₹0.50 when adjusted as statement debit.

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Reward cap

Travel Credits can only be accumulated for a period of 24 months from the date of accrual under the program.

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Reward exclusion

petrol pumps/service stationsE wallet loadingRent/property managementSchool & Educational ServicesUtility transactionsInsurance transactionsQuasi CashBalance transfers/BT on EMIsCash advancesFinancial chargesDisputed transactionsEncashATM WithdrawalsFlexipay TransactionsMerchant EMI

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Transfer partners

Transfer rule

Only primary cardholders can transfer Travel Credits, and only to a participating travel loyalty program account belonging to them.
Transfer requests processed within up to 21 days.
All Points transfers are final and cannot be reversed or refunded.
Travel Credits can be accumulated for 24 months from date of accrual.
On voluntary closure they can be redeemed within 30 days.

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Transfer partner

Airlines (18)

Air Arabia
AA Rewards
2:1
Air Asia
AirAsia Rewards
1:1
Air Canada
Aeroplan
1:1
Air France-KLM
Flying Blue
1:1
Air India
Flying Returns
1:1
British Airways
The British Airways Club
1:1
Cathay Pacific
Cathay
1:1
Etihad Airways
Etihad Guest
1:1
Emirates
Emirates Skywards
2:1
Ethiopian Airlines
ShebaMiles
2:1
Japan Airlines
JAL Mileage Bank
2:1
Saudia
AlFursan
2:1
Spice Jet
SpiceClub
1:1
Thai Airways
Royal Orchid Plus
1:1
Turkish Airlines
Miles&Smiles
2:1
United Airlines
United MileagePlus
2:1
Qantas Airways
Qantas Frequent Flyer
1:1
Vietnam Airlines
Lotusmiles
1:1

Hotels (8)

Accor
Accor - ALL
2:1
IHG Hotels & Resorts
IHG One Rewards
1:1
ITC Hotels
Club ITC
2:1
Jumeirah Hotels & Resorts
Jumeirah One
2:1
Orchid Hotels
Orchid Rewards
1:1
Wyndham Hotels & Resorts
Wyndham Rewards
1:1
Shangri-La Group
Shangri-La Circle
6:1
Radisson Hotel Group
Radisson Rewards
1:1

Verified · SBI Miles Rewards Program Terms (earn, redemption, transfer partners) · 2026-06-21 · source

Protection

Insurance

Complimentary Credit Card Fraud Liability Cover of ₹1 lakh (valid 48 hours prior to reporting of loss to 7 days post reporting).
Note: With effect from 15 July 2025, the complimentary Air Accident insurance coverage of ₹1 crore is discontinued.

Verified · SBI Card MILES PRIME product page · 2026-06-21 · source

Eligibility

Add-on cards available for parents, spouse, children or siblings above the age of 18.

Verified · SBI Card MILES PRIME product page · 2026-06-21 · source

Official terms

https://www.sbicard.com/en/personal/credit-cards/travel/sbi-card-miles-prime.page.

Verified · SBI Card MILES PRIME product page · 2026-06-21 · source

Official sources

Official issuer page SBI Card - Key Fact Statement SBI Miles Rewards Program Terms (earn, redemption, transfer partners)

Verified 2026-06-22 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.