SBI Miles credit card

SBI Miles

SBI Card · Visa

SBI Miles is a travel card that earns air miles on every spend, with airline transfer partners and lounge access for frequent flyers.

Annual Fee

₹2,999

Waived at ₹3.0L spend

Joining Fee

₹2,999

Base Reward Rate

3X

₹0.75/pt

Min CIBIL

720

₹6L+ income

Key Features

Travel miles card — earn SBI Miles on all spends
2 SBI Miles per ₹100 on all spends
Accelerated earn on travel bookings
Transfer SBI Miles to 10+ airline and hotel loyalty programmes
2 complimentary domestic lounge visits per quarter
Priority Pass for international lounge access
Annual fee waived on spend threshold
Comprehensive travel insurance

Welcome Benefits

✓

3,000 Bonus SBI Miles on First Spend

Earn 3,000 SBI Miles on your first transaction within 60 days of card activation

✓

Priority Pass Membership

Complimentary Priority Pass for access to 1,300+ international airport lounges

Reward Rates by Category

Dining

4X

Travel

8X

Online

4X

Shopping

3X

Grocery

3X

Fuel

1X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
CleartripTravel4X
MakeMyTripTravel4X
DiningDining3X

Milestone Benefits

₹3.0 L

Annual Fee Waiver

Spend ₹3 lakhs to waive the annual fee for the following membership year

Annual

₹6.0 L

5,000 Bonus SBI Miles

Earn 5,000 bonus SBI Miles on crossing ₹6 lakh annual spend

Annual

Airport Lounge Access

Domestic

8 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

Travel booked on card

₹50 Lakhs

Overseas Medical Insurance

Emergency medical on international travel

USD 25,000

Baggage Insurance

Checked baggage loss and delay cover

Up to ₹50,000

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • Miles transfer to airline partners
  • 8 domestic lounge visits/year
  • Strong travel rewards
  • Annual fee waived on spend
  • Travel insurance benefits

Cons

  • Annual fee of ₹2,999
  • Limited international lounge access
  • Transfer ratios not 1:1

Frequently Asked Questions

How do SBI Miles work?+
SBI Miles are travel currency earned on all spends. Transfer to airline frequent flyer programmes like Air India, Singapore Airlines, British Airways or hotel partners like Marriott Bonvoy.
What earn rate?+
2 SBI Miles per ₹100 on all spends. Higher rates on travel portals like Cleartrip and MakeMyTrip.
Which airlines can I transfer to?+
Air India, Singapore Airlines, British Airways, Emirates, Air France/KLM and others — check SBI Card's current partner list for transfer ratios.
Lounge access?+
2 domestic lounge visits per quarter plus Priority Pass for international lounges.
Annual fee?+
₹1,499. Waived on ₹3 lakh annual spend.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

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SBI Miles

₹2,999/yr · 3X rewards