Updated On

SBI has recently introduced three versions of the ‘MILES’ card: SBI Card MILES, MILES PRIME, and MILES Elite. These three cards are aimed at frequent travelers and offer various travel-related benefits. The SBI Card MILES PRIME is a credit card that focuses on the needs of frequent travelers. The joining and renewal fee of this card is Rs. 2,999 plus GST. The card offers 3,000 Travel Credits to cardholders who spend ₹60,000 within the first 60 days of card issuance.

The card provides travel insurance benefits, covering flight cancellations and lost baggage, and offers zero liability protection against fraudulent transactions. Despite the notable annual fee, the card’s spend-based fee waiver and exclusive travel benefits make it a compelling choice for frequent travelers.

The card also provides complimentary access to domestic and international airport lounges, ensuring a luxurious start to your travel. Over 20 airline and hotel brands, including Air Vistara, Air India, Spicejet, Air France-KLM, Etihad Airways, Air Canada, Thai Airways, Qantas Airways, ITC Hotels, IHG Hotels & Resorts, and Accor, are among the card partners.


Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

Get 3,000 Travel Credits on spending ₹60,000 within 60 days of issuance.

Movie & Dining


Rewards Rate

Get 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.

Reward Redemption

Convert Travel Credits into air miles, hotel points, travel bookings, etc.


Get a complimentary Priority Pass Membership worth $99.

Domestic Lounge Access

8 complimentary domestic airport lounge access per year.

International Lounge Access

4 complimentary international airport lounge access per year.



Insurance Benefits

Travel insurance is provided (flight cancellations, lost baggage, air accident coverage, etc.).

Spend-Based Waiver

Annual fee is reversed on spending ₹10 Lakhs.

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

2.5% of the amount transacted.

Interest Rates

3.5% per month (42% annually).

Fuel Surcharge

1% Fuel surcharge waiver on fuel transactions between ₹500 to ₹4000.

Cash Advance Charges

2.5% or ₹500

  • 3,000 Travel Credits will be credited to the cardholder’s account as a welcome gift.
  • People will get 1 additional domestic airport lounge visit on spending more than ₹1 lakh through MILES Credit Card.
  • Earn 5,000 Bonus Travel Credits on annual spends of ₹5 Lakh.


  • Eight domestic airport lounge access per year and two international airport lounge access per quarter to SBI MILES PRIME Credit Cardholders.
  • 2.5% foreign currency mark-up charge on international usage.
  • Enjoy 1000+ airport lounge access worldwide with the complimentary Priority Pass membership.


  • Absence of cashback or discount on movies or dining.
  • Limited rewards on non-flying expenses.

SBI Card MILES PRIME Features and Benefits

​The SBI Card MILES PRIME is a premium credit card for people who love to travel. It offers excellent benefits like free airport lounge access and points you can use for flights and hotels, making your trips more fun and a little cheaper. Read below to learn about all the features and benefits provided by the SBI MILES PRIME Credit Card.

Welcome Benefit

Cardholders who spend ₹60,000 within 60 days of receiving their card will receive a welcome gift of 3,000 Travel Credits.

Milestone Benefit

  • SBI Card MILES PRIME offers 10,000 bonus Travel Credits to its customers on spending ₹8 Lakh per year.
  • Cardholders can enjoy an annual fee reversal on spends of ₹10 Lakh in a membership year.
  • On spending ₹1 lakh, the primary cardholder with a guest receives an additional complimentary domestic airport lounge visit capped at 12 visits annually.

Travel Benefits

  • Cardholders can access eight domestic airport lounges annually all over India (2 visits per quarter).
  • Four international airport lounge access is also provided annually to cardholders (2 visits per quarter).
  • SBI Card MILES PRIME includes a free two-year Priority Pass Membership worth $99 annually, allowing entry to over 1,000 airport lounges worldwide. Additional access to international lounges costs $27 plus taxes.
  • The foreign currency mark-up on international transactions has been reduced by 2.5%.

Fuel Surcharge Waiver

The 1% fuel surcharge waiver applies to all fuel transactions between ₹500 and ₹4,000 across all petrol pumps in India. This card’s maximum monthly benefit under the waiver is ₹250.


Cardholders will earn points for spending with SBI Card MILES PRIME, which they can use for free travel perks.

  • If you spend ₹200 on travel you will earn 4 travel Credits.
  • If you spend  ₹200 on other things you will earn 2 Travel Credits.
  • Cardholders won’t earn travel credits on purchases of fuel, EMI, wallet upload, property rental, utilities, and insurance.
  • Travel credits for SBI Card MILES PRIME expire 2 years from the date of receipt.

Reward Redemption

With your SBI Card MILES PRIME, you earn Travel Credits that you can use to enjoy a variety of rewards. These credits can be redeemed for air miles, hotel points, and travel bookings. You can even select products from various catalogs like electronics, home appliances, and more. The choice is yours, and with SBI Card MILES PRIME, you can enjoy the benefits of your Travel Credits in whichever way you prefer.

Travel Credit Value
1 Travel Credit ₹1 (Air Mile, Hotel Point)
1 Travel Credit ₹0.50 (Travel Bookings)
1 Travel Credit ₹0.25 (Shop and Smile Product Catalog)

The MILES PRIME Credit Card lets you use your Travel Credit well. You can use your Travel Credit for the frequent flyer programs of some well-known airlines mentioned below.

Partner Conversion Ratio
Air Arabia 2:1
Air Asia 1:1
Air Canada 1:1
Air France-KLM 1:1
Air India 1:1
Air Vistara 1:1
Etihad Airways 1:1
Ethiopian Airlines 2:1
Japan Airlines 2:1
Qantas Airways 1:1
Qatar Airways 2:1
Saudia (Saudi Arabian Airlines) 2:1
Spice Jet 1:1
Thai Airways 1:1
Turkish Airlines 2:1
United Airlines 2:1

Below is a list of partner hotels where Travel Credits can be redeemed.

Hotel Partners Conversion Ratio
Accor 2:1
IHG® Hotels & Resorts 1:1
ITC Hotels 2:1
Orchid Hotels 1:1
Wyndham Hotels & Resorts 1:1
Shangri-La Group 6:1

Transferring your travel credits can take up to 21 days. Once transferred, points are final and cannot be reversed.

Insurance Cover

The insurance benefits provided by the SBI MILES PRIME Credit Card are as follows:

Insurance Amount
6 Flight Cancellations Per Year ₹3,500
Air Accident Cover-Up Up to ₹1 Crore
Lost Card Liability Up to ₹1 Lakh
Loss of Check-in Baggage Up to ₹72,000
Loss of Travel Documents Up to ₹12,500
Delay of Check-in Baggage Up to ₹7,500
Baggage Damage Cover-up Up to ₹5,000


The SBI Card MILES PRIME is a great choice for people who love to travel and want to get rewards from their credit card. It offers special benefits for travelers, making it one of the best options. This card focuses on making travel easier and more enjoyable, offering access to airport lounges and travel insurance. With the SBI Card MILES PRIME, users can have a smoother and more rewarding travel experience.

Overall, the SBI MILES PRIME Credit Card is a good choice if you travel a lot and want to improve your travel experience. Not only do you enjoy the lounges’ perks, but you also earn points for the miles you travel, which you can use for future travels.


The Benefits for SBI MILES PRIME Credit Card include:
  • Reward points on every spend
  • Complimentary airport lounge access (both domestic and international)
  • Special deals on hotel bookings and air tickets
  • Fuel surcharge waiver
Yes, you can convert your Travel Credits into Air Miles or Hotel Points with a wide range of partners, giving you the freedom to book with your preferred airlines and hotels.
Yes, you can also earn Travel Credits for international transactions. The SBI MILES PRIME Credit Card rewards you for both domestic and international spending.

Write A Comment

Add cards to start comparing

Compare Cards