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SBI Card · Visa Signature · हिन्दी

SBI Card MILES PRIME: full review

The SBI Miles Prime is a solid travel card with an impressive 25-partner transfer network. The 1:1 conversion to Air India, Flying Blue and Aeroplan delivers real flight redemption value. The earn rate is modest but the transfer flexibility more than compensates for serious miles collectors.

Apply now ↗Annual fee: ₹2,999 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
MILES PRIME
ASHOK KUMAR
12/28
₹2,999 + taxes (waived on ₹10,00,000/year spend)Annual fee
4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1Reward structure
8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority PassLounge access

Key benefits of the SBI Card MILES PRIME

4 Travel Credits per ₹200 on all travel-related spends (1% effective)2 Travel Credits per ₹200 on all other eligible spends (0.5% effective)Transfer to 25 partners: Air India, Air France-KLM Flying Blue, Aeroplan, British Airways Avios, Etihad, IHG, Radisson, Wyndham and more, at 1:1 ratio for most3,000 welcome Travel Credits on ₹60,000 spend within 60 days8 complimentary domestic lounge visits/year + 4 international via Priority Pass2.5% low forex markupAnnual fee waived on ₹10L spend
Apply now ↗ Min. income: ₹50,000/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ 25 transfer partners, widest among SBI cards and among the best in India
✓ 1:1 transfer to Air India, Flying Blue, Aeroplan is excellent for serious travel hackers
✓ 2.5% forex competitive for a travel card
✓ 4 international lounge visits included at ₹2,999 fee
Cons
✗ Low 1% on travel and 0.5% base, earn rate modest vs competitors
✗ Excludes fuel, utility, insurance, education, rent from Travel Credit earning
✗ ₹10L spend needed for fee waiver
✗ Travel Credits expire 2 years from earning date
Quick facts
Issuer SBI Card
Network Visa Signature
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹10,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter); 4 international visits/year (2 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 → 2.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
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 PRIME is ₹2,999 + taxes (waived on ₹10,00,000/year spend). The joining fee is ₹2,999.
The main benefits of the SBI Card MILES PRIME are: 4 Travel Credits per ₹200 on all travel-related spends (1% effective); 2 Travel Credits per ₹200 on all other eligible spends (0.5% effective); Transfer to 25 partners: Air India, Air France-KLM Flying Blue, Aeroplan, British Airways Avios, Etihad, IHG, Radisson, Wyndham and more, at 1:1 ratio for most; 3,000 welcome Travel Credits on ₹60,000 spend within 60 days; 8 complimentary domestic lounge visits/year + 4 international via Priority Pass; 2.5% low forex markup; Annual fee waived on ₹10L spend.
4 Travel Credits per ₹200 on travel spends (1%); 2 Travel Credits per ₹200 on all others (0.5%); 25 airline/hotel transfer partners at 1:1
SBI Card MILES PRIME is best for Airline-agnostic travel card with 25 transfer partners including Air India, Flying Blue and Aeroplan. The SBI Miles Prime is a solid travel card with an impressive 25-partner transfer network. The 1:1 conversion to Air India, Flying Blue and Aeroplan delivers real flight redemption value. The earn rate is modest but the transfer flexibility more than compensates for serious miles collectors.
The minimum income requirement for SBI Card MILES PRIME is ₹50,000/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, SBI Card MILES PRIME offers 8 domestic visits/year (2 per quarter); 4 international visits/year (2 per quarter) via Priority Pass.
SBI Card MILES PRIME charges a 2.5% foreign currency markup on international transactions. This is lower than 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
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SBI Card MILES PRIME₹2,999 + taxes
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