SBI Card MILES
SBI Card · Open to apply
An entry travel card that earns Travel Credits: 2 per ₹200 on travel and 1 per ₹200 elsewhere, capped at 5,000 a month, convertible to airline miles and hotel points (one credit worth ₹1 of miles by SBI Card's reckoning), with a 1,500-credit welcome gift and a 3% forex markup.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹6,00,000 spend per card year
- Base rate
- 1 Travel Credit per ₹200 on other spends: 1 Travel Credits per ₹200 (about 0.25% at cash value)
- Lounges
- Domestic: 4 visits a calendar year
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2 Travel Credits per ₹200 on travel (airlines, hotels, travel agencies, car rental, taxis, buses, tolls): 2 Travel Credits per ₹200 (about 0.5% at cash value)
Earns nothing on
- No Travel Credits at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No Travel Credits on wallet loads (MCCs 6540, 6541)
- No Travel Credits on rent and property management (MCC 6513)
- No Travel Credits on school and educational services (MCCs 8211, 8241, 8244, 8249, 8299)
- No Travel Credits on utilities (MCCs 4900, 4814, 4899, 9399)
- No Travel Credits on insurance (MCCs 5960, 6300, 6380)
- No Travel Credits on government-related transactions (MCCs 9222, 9311, 9402, and 9399 as a utility)
- No Travel Credits on quasi-cash, cash advances and ATM withdrawals (MCCs 6012, 6051)
- No Travel Credits on Flexipay and Merchant EMI
Where the sources disagree
- Annual fee: The product page FAQ gives ₹4,999 + taxes; the fees section of the same page and the KFS give ₹1,499. We use ₹1,499.
- Fuel surcharge waiver range: The product page gives transactions of ₹500 to ₹4,000; the T&C FAQ gives ₹500 to ₹3,000. Both cap the waiver at ₹250 a statement. We use the product page.
Terms the calculator does not value
- Transfers to Air Arabia AA Rewards (2:1), Saudia AlFursan (2:1), Jumeirah One (2:1), Shangri-La Circle (6:1) and Orchid Rewards (ratio printed illegibly as "1B:1") are not entered: the first four have no programme value in our reference file, and Orchid's ratio cannot be read.
- Travel transactions are identified by MCC on a best-effort basis, and the networks can change MCCs without notice; a booking through an aggregator may land outside the travel list.
- One extra domestic airport lounge visit for every ₹1 lakh spent, at most 8 in a membership year, over and above the complimentary visits, through a Priority Pass QR voucher SBI Card sends within 120 days of becoming eligible. The format has no per-₹1-lakh lounge unlock, so these visits are not entered as lounges.
Sources
- SBI Card MILES product-page data file (rates, redemption values, welcome, milestones, lounges, fees, fuel waiver) (Product page, the bank's own, read 6 Nov 2026)
- SBI Card MILES Terms and Conditions booklet (PDF created 10 Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (index date 2026-09-14) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card MILES Travel Credits programme T&C (earn table, exclusions, airline and hotel partners and ratios) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program notice, w.e.f. 10 Jan 2026 (Set A and Set B) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (Etihad Guest SBI Card replaced by MILES from Dec 2025) (Bank notice, the bank's own, read 6 Nov 2026)