SBI Card Miles
Verified · August 25, 2026
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
Overview
SBI Card Miles by SBI Card provides premium value tailored for Travel cardholders.
Rewards
Reward Type
Air Miles
Reward Rate
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends (flight, hotel, and travel aggregator bookings)
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
1,500 bonus Travel Miles upon payment of joining fee within 60 days; Qualification Criteria: Joining fee payment within 60 days; Fulfillment Timeline: 30-45 days post fee realization
Milestone Benefit
Spend ₹3 Lakhs (Annual): Annual renewal fee waiver of ₹1,499; Spend ₹5 Lakhs (Annual): 5,000 bonus Travel Miles; Annual Fee Waiver: Spend ₹3,00,000 or more in preceding 12 months for fee waiver
Redemption
- • 1:1 conversion to airline partner frequent flyer programs (Air India, Etihad, Qatar Airways, Singapore Airlines, IHG)
- • Direct flight and hotel bookings on SBI Card Miles portal
Benefits
- Domestic Airport Lounge: 4 per year (1 per calendar quarter) via Mastercard / RuPay Domestic Lounge
- International Airport Lounge: 2 per year via Priority Pass via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month)
- Comprehensive Travel Insurance: Complimentary air accident cover of ₹1 Crore and lost luggage/passport insurance. (Coverage active on ticket purchase using the card) [Partners: SBI General Insurance]
Things to Know Before you apply
SBI Card Miles Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹35,000/month; Self-employed min ITR ₹6,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹3,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
SBI Card Miles issued by SBI Card is one of India's leading credit cards for Travel spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
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Welcome Benefit
- • 1,500 bonus Travel Miles upon payment of joining fee within 60 days
- • Qualification Criteria: Joining fee payment within 60 days
- • Fulfillment Timeline: 30-45 days post fee realization
- • Get 1,500 reward points worth ₹1,500 as Welcome Benefit upon payment of joining fee + ₹500 cashback on first train ticket booked within 45 days.
- • Qualification Criteria: Payment of annual joining fee within 30 days of card issuance
- • Fulfillment Timeline: Credited to card account within 45 days of fee realization
- • 1,000 bonus Reward Points (worth ₹250) + ₹1,000 ixigo travel vouchers upon completing first transaction within 30 days of card setup
- • Qualification Criteria: First transaction within 30 days of card issuance
- • Fulfillment Timeline: 30 days post first spend
Reward/Cashback Rate
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Accelerated Rewards: 6 Travel Miles per ₹200 on Travel spends (flight, hotel, and travel aggregator bookings)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Accelerated Rewards: Up to 10% value back as Reward Points on buying train tickets through IRCTC App and Website for AC1, AC2, AC3, Executive Chair car, and Chair Car.
- • Excluded Categories: Fuel transactions, Wallet loads
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Accelerated Rewards: 0% Zero Forex Markup on international transactions + 20 Reward Points per ₹100 on train bookings via ixigo. 1 pt = ₹0.25.
- • Excluded Categories: Fuel, Rent, Wallet loads
Pros
- • Base Rewards: 2 Travel Miles per ₹200 (2 Travel Miles per ₹200 on all standard retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 3 Reward Points per ₹125 (3 Reward Points per ₹125 spent on Dining and standing instructions on Utility spends)
- • 1 Reward Point per ₹125 (1 Reward Point per ₹125 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 on train bookings via ixigo app (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 on flight, bus, and hotel bookings on ixigo)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 on all other online purchases)
- • 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all offline retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹999
- • Reward exclusion on fuel purchases and wallet load transactions