SBI Card
SBI MILES Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
1% points
Foreign Markup
3% of the amount transacted.
Welcome Benefits
Get 1,500 Travel Credits on spending ₹30,000 within 60 days of issuance.
Product Highlights
- Earn Travel Credits on every purchase
- Complimentary airport lounge access
Category Rewards
travel
2X on travel spends
2X
Fee Waiver
Annual Fee is Reversed on Spending ₹6 Lakhs
Reward Calculator
Costs you ₹1,529/year
Break-even needs ~₹95,821/month at your reward mix.
₹13K
across all your buckets
960
Travel Credits
₹240
via standard · ₹0.25/pt
Effective rate
0.15%
Annual fee
₹1,769
Year 1 net
₹-1,529
Year 2+ net
₹-1,529
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 Travel Credits for every ₹200 spent on travel expenses and 1 Travel Credit for every ₹200 spent on other purchases.
- Travel Credits can be converted into air miles, hotel points, travel bookings, or catalog products.
Benefits & Features
Domestic: 4 complimentary domestic airport lounge access per year. (2 visits per quarter.) International: Complimentary Priority Pass Membership for international lounge access. (Available for the first two years.) Access to 1000+ airport lounges worldwide with the complimentary Priority Pass Membership.
Pros & Cons
Pros
- 2 complimentary domestic airport lounge access per quarter
- Spend-based reversal on annual spends of ₹6 lakhs
Cons
- No offers on movies or dining
- No insurance benefits provided
Additional Info
Travel Credits are valid for two years.
Maximum monthly benefit under the fuel surcharge waiver is ₹250.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee is Reversed on Spending ₹6 Lakhs