SBI Card MILES
Travel Miles on every spend
Annual Fee
₹1,499
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The SBI Card MILES is a solid entry-point into the travel miles ecosystem, offering a simplified 1:1 transfer ratio. While the base earning rate is modest, its travel-specific acceleration and lounge benefits make it competitive for its fee bracket.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹3,001
Includes ₹1,500 bonus
Year 2+
+₹1,501
Fee waiver eligible!
Why get this card
1:1 transfer ratio for Travel Miles to major airline and hotel partners
Complimentary international lounge access via Priority Pass
Accelerated 2x rewards on all travel-related bookings
Decent milestone benefits with up to 7,500 additional miles annually
Watch out for
Low base reward rate of 0.5% on non-travel spends
Annual fee waiver threshold is relatively high at 6 Lakhs
High finance charges of 3.75% per month
Who is this card for?
Best for
frequent traveler
Users who book flights and hotels regularly and prefer transferring points to partner loyalty programs.
Min: ₹30,000/mo
Skip if you're
low spender
Users who spend less than 6 Lakhs annually as they won't meet the fee waiver threshold.
Base Earning
1 Travel Miles
per ₹200 spent
0.5%
effective rate
Point value: ₹1.00/point
Bonus Categories
TRAVEL
2×
1% return
Welcome Offer
Bonus miles credited upon payment of the joining fee.
1,500
points
₹1,500
value
within 60 days
Milestones
Spend ₹1.0L
1,500 Travel Miles on reaching 1 Lakh spend
Spend ₹6.0L
Annual fee waiver on reaching 6 Lakhs spend
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank