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SBI Card · Visa · हिन्दी

SBI Card MILES: full review

The SBI Miles is the entry point into SBI's travel card ecosystem. The 0.25% base rate is very low, but the access to 25 transfer partners at ₹1,499 (often waived) makes it a compelling "accumulator" card for patient travel hackers. If you're earning miles for a specific redemption target, this is the cheapest way to get there.

Apply now ↗Annual fee: ₹1,499 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
MILES
ASHOK KUMAR
12/28
₹1,499 + taxes (waived on ₹6,00,000/year spend)Annual fee
2 Travel Credits per ₹200 on travel spends (0.5%); 1 Travel Credit per ₹200 on all others (0.25%); 25 airline/hotel transfer partnersReward structure
4 domestic visits/year (1 per quarter); 2 international visits/year (1 per quarter) via Priority PassLounge access

Key benefits of the SBI Card MILES

2 Travel Credits per ₹200 on all travel-related spends (0.5% effective)1 Travel Credit per ₹200 on all other eligible spends (0.25% effective)Transfer to 25 partners: Air India, Flying Blue, Aeroplan, British Airways Avios, Etihad, IHG, Wyndham, Radisson and more, at 1:1 ratio for most1,500 welcome Travel Credits on first transaction (worth ₹1,500 at 1:1 Air India transfer)4 domestic + 2 international lounge visits/year via Priority PassAnnual fee waived on ₹6L/year spend, achievable for most regular spendersTravel Credits expire 2 years from earning date
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Cheapest way to access 25 airline/hotel transfer partners in India
✓ Welcome Travel Credits offset first-year fee entirely at 1:1 Air India transfer
✓ Same 25 partners as SBI Miles Prime and Miles Elite
✓ Fee waivable at achievable ₹6L/year spend
Cons
✗ Very low earn rate, 0.5% on travel, 0.25% on everything else
✗ 3.5% forex despite travel positioning
✗ Only 4 domestic + 2 international lounges, limited for frequent travellers
✗ Excludes fuel, utility, insurance, education, rent from earning
Quick facts
Issuer SBI Card
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹6,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter); 2 international visits/year (1 per quarter) via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI Card MILES is ₹1,499 + taxes (waived on ₹6,00,000/year spend). The joining fee is ₹1,499.
The main benefits of the SBI Card MILES are: 2 Travel Credits per ₹200 on all travel-related spends (0.5% effective); 1 Travel Credit per ₹200 on all other eligible spends (0.25% effective); Transfer to 25 partners: Air India, Flying Blue, Aeroplan, British Airways Avios, Etihad, IHG, Wyndham, Radisson and more, at 1:1 ratio for most; 1,500 welcome Travel Credits on first transaction (worth ₹1,500 at 1:1 Air India transfer); 4 domestic + 2 international lounge visits/year via Priority Pass; Annual fee waived on ₹6L/year spend, achievable for most regular spenders; Travel Credits expire 2 years from earning date.
2 Travel Credits per ₹200 on travel spends (0.5%); 1 Travel Credit per ₹200 on all others (0.25%); 25 airline/hotel transfer partners
SBI Card MILES is best for Entry-level airline-agnostic travel card with 25 transfer partners at the lowest fee. The SBI Miles is the entry point into SBI's travel card ecosystem. The 0.25% base rate is very low, but the access to 25 transfer partners at ₹1,499 (often waived) makes it a compelling "accumulator" card for patient travel hackers. If you're earning miles for a specific redemption target, this is the cheapest way to get there.
The minimum income requirement for SBI Card MILES is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, SBI Card MILES offers 4 domestic visits/year (1 per quarter); 2 international visits/year (1 per quarter) via Priority Pass.
SBI Card MILES charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
SBI Card MILES vs SBI Card Miles ELITE Compare →SBI Card MILES vs IRCTC SBI Card Premier Compare →
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SBI Card MILES₹1,499 + taxes
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