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Side-by-Side Comparison|Updated March 2026

SBI Card MILES vs SBI Card MILES PRIME

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

SBI Card MILES

7/10
Annual Fee₹1,499
Base Rewards0.125%
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SBI Card

SBI Card MILES PRIME

7.2/10
Annual Fee₹2,999
Base Rewards1%
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Feature-by-Feature Comparison

FeatureSBI Card MILESSBI Card MILES PRIME
Annual Fee₹1,499₹2,999
Joining Fee₹1,499₹2,999
Fee Waiver Spend₹6,00,000₹10,00,000
Base Reward Rate0.125%1%
Reward CurrencyTravel CreditsTravel Credits
NetworkMastercardMastercard
Editor Rating7/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card MILES

  • 0% on Travel

SBI Card MILES PRIME

  • 0% on Travel

Pros & Cons

SBI Card MILES

Pros

  • 1:1 conversion ratio for Travel Credits to 20+ airline and hotel partners
  • Accelerated 2 Travel Credits per ₹200 on all travel-related spends
  • Additional domestic lounge visits (up to 8) based on spend milestones of ₹1 Lakh each
  • Annual fee waiver on reasonable spend threshold of ₹6 Lakhs

Cons

  • Low base reward rate of 0.5% (1 TC per ₹200) on non-travel spends
  • No complimentary international lounge visits included despite Priority Pass membership
  • Priority Pass membership is only complimentary for the first 2 years

SBI Card MILES PRIME

Pros

  • 1:1 conversion ratio for Travel Credits to Air Miles and Hotel Points across 20+ partners.
  • Accelerated 2% reward rate (4 TC per ₹200) on all travel-related spends without capping.
  • Unique milestone benefit: 1 additional domestic lounge visit for every ₹1 Lakh spent.
  • Reduced Forex Markup of 2.5% compared to the standard 3.5% on other SBI cards.

Cons

  • Priority Pass membership is complimentary only for the first 2 years.
  • Low base reward rate of 1% on non-travel categories.
  • High annual fee waiver threshold of ₹10 Lakhs.

Our Verdict

SBI Card MILES PRIME edges ahead overall with a stronger combination of rewards and value. However, SBI Card MILES could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card MILES if

Strong domestic lounge access and 1:1 transfer to domestic airlines like Air India and SpiceJet.

Choose SBI Card MILES PRIME if

Strong 1:1 transfer partners and flexible redemption for miles or hotel points.

Frequently Asked Questions

Which is better: SBI Card MILES or SBI Card MILES PRIME?
SBI Card MILES PRIME edges ahead overall with a stronger combination of rewards and value. However, SBI Card MILES could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card MILES and SBI Card MILES PRIME?
SBI Card MILES has an annual fee of ₹1,499, while SBI Card MILES PRIME has an annual fee of ₹2,999. SBI Card MILES offers a fee waiver on ₹6,00,000 annual spend. SBI Card MILES PRIME offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: SBI Card MILES or SBI Card MILES PRIME?
SBI Card MILES offers a base reward rate of 0.125% with accelerated rewards on Travel. SBI Card MILES PRIME offers 1% base rewards with bonuses on Travel. The better choice depends on your primary spending categories.
Can I have both SBI Card MILES and SBI Card MILES PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card MILES and SBI Card MILES PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card MILES or SBI Card MILES PRIME?
For beginners, SBI Card MILES may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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