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SBI MILES Credit Card

★ 3.9 / 5 ⓘ How we rate

Earn travel credits that convert to air miles & hotel points

✅ Verified Oct 2026 from SBI Card's official page →

Joining: ₹1,499Annual: ₹1,499🎁 0.5% – 1% in travel credits
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

✈️
2 credits / ₹200on travel spends
🛋️
4 lounges/yeardomestic airports
🔁
Transferto airline & hotel partners
👤
Perfect for

Travellers who want flexible airline and hotel points

Key benefits

  • 2 Travel Credits per ₹200 on travel spends, 1 per ₹200 on other spends
  • 1,500 Travel Credits welcome bonus
  • 4 domestic lounge visits a year (more with higher spends)
  • Up to 5,000 bonus credits at ₹5 lakh yearly spend
  • Convert credits to airline miles and hotel points
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Flexible travel points
  • Lounge access included
  • Milestone bonuses

Good to know

  • Low base earn rate
  • High ₹6 lakh fee waiver
  • No international lounges

Quick facts

Fee waiverAnnual fee reversed on ₹6 lakh yearly spend
Lounge access4 domestic/year
Min. income₹6 lakh/year
Age21 – 60 years
Credit score750+
NetworkVisa
Forex markup3.5%
Joining fee₹1,499 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ SBI MILES — common questions

Is the SBI MILES Credit Card lifetime free?

No. It has a joining fee of ₹1,499 and an annual fee of ₹1,499 (plus 18% GST). Annual fee reversed on ₹6 lakh yearly spend.

What rewards does the SBI MILES Credit Card give?

0.5% – 1% in travel credits. 2 Travel Credits per ₹200 on travel spends, 1 per ₹200 on other spends.

Who is eligible for the SBI MILES Credit Card?

Minimum income: ₹6 lakh/year. Age: 21 – 60 years. Credit score: 750+. Final approval is decided by the bank.

Does the SBI MILES Credit Card give airport lounge access?

Yes — 4 domestic/year.

What is the forex markup on the SBI MILES Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI MILES Credit Card?

Travellers who want flexible airline and hotel points.

Explore✈️ Travel Cards🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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