SBI Card
SBI MILES PRIME Credit Card
Annual Fee
₹3,539₹2,999 + GSTBase Reward
2% points
Foreign Markup
2.5% of the amount transacted.
Welcome Benefits
Get 3,000 Travel Credits on spending ₹60,000 within 60 days of issuance.
Product Highlights
- 3,000 Travel Credits welcome gift
- Complimentary Priority Pass Membership
Category Rewards
travel
4X on travel spends
4X
Fee Waiver
Annual fee is reversed on spending ₹10 Lakhs.
Reward Calculator
Costs you ₹3,059/year
Break-even needs ~₹95,848/month at your reward mix.
₹13K
across all your buckets
1.9K
Travel Credits
₹480
via standard · ₹0.25/pt
Effective rate
0.31%
Annual fee
₹3,539
Year 1 net
₹-3,059
Year 2+ net
₹-3,059
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Additional domestic lounge visit
10,000 Bonus Travel Credits
Annual fee reversal
Surcharges & 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 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.
- Convert Travel Credits into air miles, hotel points, travel bookings, etc.
Benefits & Features
Domestic: 8 complimentary domestic airport lounge access per year. (2 visits per quarter.) International: 4 complimentary international airport lounge access per year. (2 visits per quarter.) Access to over 1,000 airport lounges worldwide with Priority Pass membership.
Pros & Cons
Pros
- Eight domestic airport lounge access per year
- Two international airport lounge access per quarter
- 1000+ airport lounge access worldwide with Priority Pass
Cons
- Absence of cashback or discount on movies or dining
- Limited rewards on non-flying expenses
Additional Info
Maximum monthly benefit under the fuel surcharge waiver is ₹250.
Excluded Categories
Partner Merchants
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 ₹10 Lakhs.