Travel
SBI Card MILES Credit Card
An entry travel card that earns Travel Credits you can move to airline and hotel programmes, with domestic lounge visits and Priority Pass membership.
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Fee waiverOn ₹6 lakh spend a year
Top reward2 credits per ₹200 on travel
Lounge4 domestic + up to 8 more
Forex markup3%
Best for: Beginners in miles and points who spend ₹30,000 to ₹50,000 a month and fly within India.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Travel | 2 Travel Credits per ₹200 | – |
| Other spends | 1 Travel Credit per ₹200 | – |
| Fuel, wallet loads, rent, education, utilities, insurance, EMI | Nothing | – |
- Best value: transfer to airline and hotel partners, up to 1:1 for some.
- About ₹0.50 a credit on SBI’s travel portal, ₹0.25 on the catalogue.
- Credits expire after 24 months.
Benefits
Welcome benefit
- 1,500 Travel Credits on ₹30,000 spend within 60 days.
Milestones
- 5,000 Travel Credits on ₹5 lakh yearly spend.
Travel and lounges
- 4 domestic lounge visits a year, plus 1 more for every ₹1 lakh spent (up to 8 more).
- Priority Pass membership free for 2 years (visits are paid).
Fuel and forex
- Forex markup 3% + GST.
- 1% fuel surcharge waiver, up to ₹250 a cycle.
Fees and charges
| Joining fee | ₹1,499 + GST (₹1,769) |
|---|---|
| Annual fee | ₹1,499 + GST, waived on ₹6 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Transferable travel credits
- Extra lounge visits as you spend
- Lower 3% forex than most entry cards
Watch out for
- Low earn rate
- ₹6 lakh needed to waive the fee
- Some transfer partners removed in 2026
Recent changes
- 23 Sep 2026Air France-KLM Flying Blue removed as a transfer partner.
- 13 Aug 2026Etihad Guest removed as a transfer partner.
Frequently asked questions
What are SBI Miles Travel Credits worth?
About ₹0.50 each on SBI’s travel portal and up to ₹1 when transferred 1:1 to some airline partners.
Ready to apply for the SBI Card MILES Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.