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The MILES Credit Card is one of the three new cards issued by SBI that offers an array of privileges across various categories, with a particular focus on travel. It has a low joining and renewal fee of Rs. 1,499 plus GST. The card offers Travel Credits as rewards, making each trip more rewarding than the last. When you spend Rs. 30,000 within the first 60 days of getting the card, you’ll receive 1,500 Travel Credits as a welcome gift. It is a straightforward, easy-to-use credit card ideal for frequent travelers.

The SBI Card MILES offers 2 Travel Credits for every ₹200 spent on travel expenses and 1 Travel Credit for every ₹200 spent on other purchases. These travel credits can be converted into air miles, hotel points, travel bookings, or various catalog products that match your lifestyle. Additionally, the card offers four complimentary domestic lounge accesses per year, a complimentary Priority Pass Membership for international lounge access, and a waiver on fuel surcharges, among other benefits. Read on to learn more about this credit card in detail.


Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

Get 1,500 Travel Credits on spending ₹30,000 within 60 days of issuance.

Movie & Dining


Rewards Rate

Get 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other expenses.

Reward Redemption

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


Complimentary Priority Pass Membership is available to cardholders.

Domestic Lounge Access

4 complimentary domestic airport lounge access per year.

International Lounge Access




Insurance Benefits


Spend-Based Waiver

Annual Fee is Reversed on Spending ₹6 Lakhs.

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3% 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

  • SBI MILES Credit Cardholders will enjoy access to 1000+ airport lounges worldwide with the complimentary Priority Pass Membership worth $99.
  • For every ₹1 Lakh spent, you will receive one extra visit to domestic airport lounges.
  • Earn 5,000 bonus travel credits by making annual spends of ₹5 lakh.
  • 1,500 Travel Credits will be credited to the cardholder’s account as a welcome gift.


  • 2 complimentary domestic airport lounge access per quarter all over India.
  • 3% foreign currency mark-up charge on international transactions.
  • Spend-based reversal on annual spends of ₹6 lakhs.


  • This card does not provide any offers on movies or dining.
  • Insurance benefits are also not provided by this card.

SBI Card MILES Features and Benefits

Some of the key benefits of the MILES Card include travel credits, complimentary airport lounge access, a fuel surcharge waiver, and much more. The detailed information in the article will help you learn more about the MILES Card and its features and benefits.​

Welcome Benefit

The cardholder will receive a welcome gift of 1,500 Travel Credits upon spending ₹30,000 within 60 days of card issuance.

Milestone Benefit

  • If you spend ₹5 lahks annually on your SBI MILES Credit Card, you will receive 5,000 bonus travel credits.
  • Cardholders can get their annual fee waived on spending ₹6 Lakh or more in a membership year.
  • For every spend of ₹1 Lakh, cardholders receive one extra domestic airport lounge visit beyond their complimentary visits capped at 8 visits per year.

Travel Benefits

  • Cardholders can access domestic airport lounges 4 times per year ( 2 visits per quarter) with an option to get one additional airport lounge access on spending ₹1 lakh.
  • SBI Card MILES offers a complimentary Priority Pass Membership for the first two years valued at $99/year, which provides access to over 1,000 airport lounges worldwide. With the priority pass, you can access international lounges by paying $27 plus taxes.
  • When making international transactions using a card usually a 3.5% foreign currency mark-up fee is charged, but with the MILES Credit Card, the charge is only 3%, which is lower than other cards.

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.

SBI Card MILES Rewards

As a cardholder, you can earn Travel Credits by simply using your card to make purchases. Specifically, for every ₹200 you spend on travel, you will earn 2 Travel Credits. Additionally, for every ₹200 you spend on other categories, you will earn 1 Travel Credit. It’s important to note that certain purchases do not qualify for earning Travel Credits. These categories include fuel, EMI transactions, wallet uploads, property rental, utilities, and insurance. So, if you’re planning on using your card to earn Travel Credits, it’s important to make sure that your purchases fall outside of these categories.

Reward Redemption

Travel Credits earned through SBI Card MILES can be redeemed for air miles, hotel points, travel bookings, or catalog products.

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)

SBI Card MILES Review

The SBI Card MILES is a credit card designed for travelers. It has a joining and renewal fee of Rs. 1,499 plus GST. The card offers travel credits as rewards, which can be earned with every purchase. When you spend ₹30,000 within the first 60 days, you get 1,500 travel credits as a welcome bonus. You earn more credits for travel spending than other purchases. These credits can be used for air miles, hotel points, travel bookings, or products from a catalog. The card also gives you free access to domestic airport lounges and a fuel surcharge waiver. The main downside is that it doesn’t benefit movies or dining. The SBI Card MILES is excellent for people who travel a lot and want to earn rewards for their spending.

In essence, the SBI Card MILES is not just a credit card; it’s a travel companion that ensures your journeys are not just about destinations but about the rewarding experiences you gather along the way.

Comparison with Club Vistara SBI Credit Card

Another travel card launched by SBI is the Club Vistara SBI Credit Card, which has the same joining fee as the MILES Credit Card, which is ₹1,499. The reward rate for the MILES Credit Card is 2 Travel Credits for ₹200 on travel spends whereas the Club Vistara Credit Card has a reward rate of 3 CV (Club Vistara) points for ₹200 spent. Both cards offer 4 complimentary domestic airport lounge access but the Club Vistara Credit Card offers insurance benefits that the MILES Credit Card does not offer. The insurance benefits include air accident, lost card liability, air ticket cancellation, etc. The Club Vistara Credit Card also offers a complimentary economy-class air ticket as an e-gift voucher as a welcome gift.

Overall, the Club Vistara SBI Credit Card is a great option for frequent domestic flyers who want to enjoy added comforts and rewards. It offers a good balance of benefits and rewards, making it an ideal choice for those who travel frequently within India.


There is an annual fee and other charges associated with your SBI MILES Credit Card. The joining and renewal fee is ₹1,499 which will be waived off on spending ₹6 lakhs.
Yes, the SBI Card MILES can be used for international transactions. Just be mindful of the foreign transaction fees that might apply.
Primary cardholders can request additional cards for family members, allowing them to earn miles on their spending. However, the primary cardholder is responsible for all charges.
The Travel Credits are valid for two years. This means you can redeem them for travel-related purchases such as booking flights, hotels, etc. within the given time frame.

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