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SBI Card · Mid-tier

SBI Card MILES PRIME

Source-traced to issuer Verified 2026-07-09
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You'll land on the issuer's official application portal at tjzuh.com — if a different card is shown first, use its card selector to pick this one.

Overview

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.

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

Joining fee

₹2,999 + applicable taxes.

Verified · SBI Card MILES PRIME product page · 2026-07-09 · 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 of ₹2,999 waived off on annual spends of ₹10 Lakh or more in the preceding year.

Verified · Key Fact Statement · 2026-07-09 · source

Renewal fee

₹2,999 + applicable taxes.

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

Rewards

  • 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

Plain math

The ₹8 lakh milestone is the sweet spot: 10,000 bonus Travel Credits ≈ ₹10,000 in partner miles at 1:1, which alone more than covers the ₹2,999 fee. Push to ₹10 lakh and the fee reverses too.

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.
  • Where redeemed as statement debit, 1 Reward Point = ₹0.50.
  • Rewards Redemption Fee of ₹99 applies (on physical products, statement credit & on vouchers sent physically) for all cards except AURUM.
  • Travel Credits can only be accumulated for 24 months from the date of accrual.

Verified · Rewards Program Terms · 2026-07-09 · 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 transfersCash advancesFinancial chargesDisputed transactionsEncashATM WithdrawalsFlexipay TransactionsMerchant EMI

Verified · Rewards Program Terms · 2026-07-09 · source

Travel & lounge

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

Dining, golf, concierge, insurance, milestones & welcome

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

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

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

Eligibility

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

Charges & interest

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

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 on MCC 6011.
  • Cash Payment fee ₹250.
  • Payment Dishonor fee 2% of payment amount (min ₹500).
  • Cheque Payment Fee ₹200.
  • Late Payment: Nil for ₹0-₹500.
  • ₹400 for >₹500 up to ₹1000.
  • ₹750 for >₹1000 up to ₹10,000.
  • ₹950 for >₹10,000 up to ₹25,000.
  • ₹1100 for >₹25,000 up to ₹50,000.
  • ₹1300 for >₹50,000.
  • Additional Late Payment Charge ₹100.
  • Late Payment Charges on RE ₹500 for outstanding >₹1000.
  • Overlimit Fee 2.5% of overlimit amount (min ₹600).
  • Card Replacement ₹100-₹250.
  • Rewards Redemption Fee ₹99.
  • Utility Payments Fee (w.e.f 1 Dec 2024) 1% of total utility payments if total exceeds ₹50,000 in a billing cycle.
  • Fee on Education Payments (w.e.f 1 Nov 2025) 1% of transaction amount via third-party apps.
  • Fee on Wallet Load (w.e.f 1 Nov 2025) 1% of transaction amount on every wallet load exceeding ₹1,000.
  • Processing Fee on all Rent Payment Transactions ₹199.

Verified · Key Fact Statement · 2026-07-09 · source

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

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

Transfers

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

Transfer rule

  • Only primary cardholders may transfer Travel Credits, and only to a participating travel loyalty program account belonging to them.
  • Transfer requests are processed within up to 21 days.
  • All points transfers are final and cannot be reversed or refunded.
  • Travel Credits accumulated on one SBI Card cannot be combined with those of other SBI Cards at redemption.
  • On voluntary closure, accumulated Travel Credits can be redeemed within 30 days of closure, otherwise they lapse.

Verified · Rewards Program Terms · 2026-07-09 · source

Common questions

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

Officially traced: Rs. 2,999 + applicable taxes.

SBI Card Key Fact Statement (fees and charges)

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

Officially traced: Rs. 2,999 + applicable taxes.

SBI Card MILES PRIME product page

Is the SBI Card MILES PRIME annual fee ever waived?

Renewal fee of Rs. 2,999 waived off on annual spends of Rs. 10 Lakh or more in the preceding year.

Key Fact Statement

How does the SBI Card MILES PRIME earn rewards?

Travel Spends: 4 Travel Credits for every Rs. 200 spent.

SBI Miles Rewards Program Terms (earn, redemption, transfer partners)

What lounge access does the SBI Card MILES PRIME include?

8 complimentary Domestic Airport Lounge visits every year (max. 2 per quarter).

SBI Card MILES PRIME product page

What welcome benefit does the SBI Card MILES PRIME offer?

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

SBI Card MILES PRIME product page

What are the transfer ratios for SBI Card MILES PRIME points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageSBI Card Key Fact Statement (fees and charges)Rewards Program Terms

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

Verified 2026-07-09 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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