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SBI Card MILES Review 2026: Fees, Rewards, 1:1 Miles Transfer

Explore SBI Card MILES features: 1:1 transfer to 20+ airlines/hotels, 4 domestic lounge visits, and 1,500 welcome credits. Is it the best travel card for you?

Vyaya Team · Mar 2026
5 min read
Value Score
7.0 / 10
Annual Fee
₹1,499
Best For
Frequent Domestic Traveler
Network
Mastercard
Expert Verdict

The SBI Card MILES is a solid entry-level travel card for those who want flexibility in redeeming points across multiple airlines and hotels. While its base rewards are modest, the 1:1 transfer ratio is a standout feature in this fee segment.

SBI Card MILES credit card by SBI Card - Mastercard network
REWARD SUMMARY
0.125% Base Rewards
Your ultimate travel companion for agnostic rewards.
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The Bottom Line

The SBI Card MILES is a solid entry-level travel card for those who want flexibility in redeeming points across multiple airlines and hotels. While its base rewards are modest, the 1:1 transfer ratio is a standout feature in this fee segment. With a ₹1,499 annual fee that is waived on ₹6,00,000 yearly spend, it offers 0% rewards on travel and a welcome benefit worth ₹1,500. For anyone researching sbi card miles credit card, the verdict is simple: conditional.

It earns a base reward rate of 0.125% and stacks best when your spending lines up with Frequent Domestic Traveler. The renewal fee gets easier to justify once you can hit ₹6,00,000 in yearly spend.

What we like
+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
What we don't
–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

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Frequent Domestic Traveler

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

Best value above ₹50,000/month

Probably not for

Skip
–
International Traveler

Lack of free international lounge visits and a standard 3% forex markup.

Is It Worth It For You?

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Calculate Your Value

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🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹1,500
Annual fee-₹1,499
Net Value (Year 1)+₹1
Net Value (Year 2+)₹-1,499
Progress to fee waiver0%

Spend ₹6,00,000 more to waive annual fee

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Reward Rates

SBI Card MILES offers 0.125% basic reward rate.

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₹
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0%

Welcome Offer

Welcome Benefit

Spend ₹30,000 within 60 days of card issuance.

Value: ₹1500

Milestone Benefits

Spend ₹100,000Value: ₹1

1 additional domestic lounge visit for every ₹1 Lakh spent, capped at 4 additional visits per year.

Spend ₹500,000Value: ₹5000

Bonus credits on reaching annual spends of ₹5 Lakh.

Fees & Charges

Joining fee₹1,499
Annual fee₹1,499
Fee waiverSpend > ₹6,00,000

Eligibility

  • Min Income: ₹3 Lakhs
  • Min Credit Score: 700
  • Available for salaried and self-employed individuals with stable income.

Exclusions & Terms

Fuel

    EMI

      Wallet Upload

        Property Rental

          Utilities

            Insurance

              Compare with Alternatives

              Feature
              SBI Card MILES by SBI Card - credit card comparison
              SBI Card MILES
              SBI Card
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              View Details
              Annual Fee
              ₹1,499
              ₹3,000
              Joining Fee
              ₹1,499
              ₹3,000
              Reward Rate
              0.125%
              2%
              Network
              Mastercard
              Visa
              Best For
              Frequent Domestic Traveler
              frequent-domestic-travelerairline-agnostic-flyer

              Frequently Asked Questions

              2 data-backed answers from our card database

              What is the welcome bonus for SBI Card MILES?+

              You get 1,500 Travel Credits upon spending ₹30,000 within the first 60 days of card issuance and payment of the joining fee.

              How can I redeem SBI Card MILES Travel Credits?+

              Credits can be redeemed at a 1:1 ratio for air miles or hotel points with partners, at ₹0.50 per credit on the SBI Travel Portal, or at ₹0.25 for catalogue products.

              Ready to apply?

              ₹1,499 fee. Excellent rewards. Apply now securely.

              Apply on SBI Card →

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