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This card offers complimentary domestic lounge access, travel credits, and rewarding benefits on everyday purchases, making it ideal for frequent travellers.
Last updated on: Jul 08, 2026
The SBI Card MILES is a travel-focused credit card that offers rewards on everyday purchases, including travel-related expenses, dining, and groceries. It provides complimentary lounge access, travel credits, and flexible redemption options, making it an ideal choice for frequent travellers looking to maximise savings and rewards.
Here are the key highlights of the card, showcasing its benefits and features to enhance your travel and spending experience:
| Details | Information |
|---|---|
Joining Fee |
₹1,499 + GST |
Annual Fee |
₹1,499 + GST (Annual fee reversal on spends of ₹6 Lakhs in a membership year) |
Suitable For |
Travellers seeking rewards on spend and airport lounge access |
Key Feature |
Earn travel credits and enjoy up to 4 complimentary domestic lounge visits per year |
Joining Bonus |
Get 1,500 travel credits as a welcome gift on spends of ₹30,000 within 60 days |
The SBI Card MILES is designed for travellers who want to earn travel credits on everyday spending while enjoying airport lounge access, travel-focused rewards, and flexible repayment options. The table below highlights the card's key benefits and features.
| Benefit Category | Key Benefits | Value / Offer |
|---|---|---|
Welcome Gift |
Welcome travel credits on activation |
Earn 1,500 travel credits on spending ₹30,000 within the first 60 days of card issuance |
Travel Spends |
Accelerated rewards on travel bookings |
Earn 2 travel credits for every ₹200 spent on eligible travel transactions |
Other Spends |
Rewards on regular purchases |
Earn 1 travel credit for every ₹200 spent on eligible non-travel transactions |
Redemption Options |
Flexible travel reward redemption |
Travel credits can be redeemed against flight bookings, hotel bookings, air miles, and partner loyalty programmes, subject to applicable redemption terms |
Milestone Benefits |
Additional rewards on annual spending |
On every ₹1 Lakh spent: Earn 1 additional domestic lounge visit (subject to programme limits) On ₹5 Lakhs annual spends: Earn 5,000 bonus travel credits On ₹6 Lakhs annual spends: Additional milestone benefits may apply as per the issuer's prevailing programme terms |
Forex Mark-up |
International transaction benefit |
Competitive 3% foreign currency mark-up fee on overseas transactions |
Complimentary Airport Lounge Access |
Domestic and international lounge access |
4 complimentary domestic airport lounge visits annually (up to 1 per quarter) along with complimentary access to an international airport lounge programme |
Fraud Liability |
Protection against unauthorised transactions |
Complimentary fraud liability cover of up to ₹1 Lakh on eligible unauthorised transactions |
Insurance Benefits |
Cardholder protection benefits |
Includes fraud liability protection and other applicable card protection benefits as per issuer terms |
Fuel Benefits |
Savings on fuel purchases |
1% fuel surcharge waiver on eligible fuel transactions at fuel stations across India |
Flexipay |
EMI conversion facility |
Convert eligible retail transactions of ₹2,500 or above into convenient EMIs through Flexipay |
Balance Transfer Benefits |
Consolidate outstanding card balances |
Transfer outstanding balances from other credit cards and repay through structured EMI options at applicable interest rates |
Global Acceptance |
Worldwide usability |
Accepted at 24 million+ merchant outlets globally, including over 3.25 lakh outlets in India |
Contactless Payments |
Secure and convenient transactions |
Tap-and-pay functionality for faster and more secure payments at compatible terminals |
Disclaimer: Travel credits, lounge access benefits, milestone rewards, insurance coverage, and other privileges are subject to the issuer's prevailing terms and conditions and may change from time to time.
Here are the fees and charges associated with the SBI Card MILES, providing a clear breakdown of costs to help you manage your card effectively:
| Fee Type | Details |
|---|---|
Joining Fee |
₹1,499 + applicable taxes |
Annual Fee |
₹1,499 + GST, waived if you spend ₹6 lakh in a membership year |
Reward Redemption Fee |
₹99 for each redemption of reward points |
Cash Advance Fee |
2.5% of the withdrawn amount, or a minimum of ₹500, whichever is greater |
Interest Charges |
3.75% per month (45% annual percentage rate) |
Minimum Amount Due |
100% of GST + 100% of EMI amount + 100% of fees/charges + 100% of finance charges + over-limit amount (if any) + 2% of remaining outstanding balance |
Late Payment Fee |
Up to ₹500: NIL ₹501 to ₹1,000: ₹400 ₹1,001 to ₹10,000: ₹750 ₹10,001 to ₹25,000: ₹950 ₹25,001 to ₹50,000: ₹1,100 Greater than ₹50,000: ₹1,300 |
Foreign Transaction Fee |
3% of the transaction amount for international purchases |
Note: An 18% GST applies to all the charges listed above.
Disclaimer: Fees and charges may change at the issuer’s discretion, so always review the Most Important Terms and Conditions (MITC) before applying.
Here are the eligibility criteria for the SBI Card MILES to help you determine if you qualify for this travel rewards card:
You must be between 21 and 70 years of age
You should be a resident of India with valid identification and address proof
A stable income is required, whether from salaried employment or self-employment
You must have a good credit score and a strong repayment history
Here are the documents required to apply for the SBI Card MILES, ensuring a seamless application process:
| Identity Proof | Address Proof | Income Proof – Salaried | Income Proof – Self-employed | Photograph |
|---|---|---|---|---|
|
|
|
|
Recent colour photograph |
Here is a simple, step-by-step guide to applying for the SBI Card MILES online via Bajaj Markets:
Start by clicking on ‘Check Card Offer’ to initiate your SBI Card MILES application
Fill in your mobile number and occupation details in the necessary fields
Agree to the terms and conditions to proceed with your application
Verify your information by entering the One-Time Password (OTP) sent to your registered mobile number
Double-check and confirm the pre-filled details, such as PAN, email address, residential PIN code, and income information
Choose the SBI Card MILES from the list of available options based on your eligibility
Click on ‘Submit’ to finalise your application
Here’s how to maximise rewards with the SBI Card MILES, ensuring you make the most out of your spending and earn valuable travel benefits:
You earn 2 Travel Credits for every ₹200 spent on travel-related purchases such as flights, hotels, and holiday bookings, helping you accumulate rewards quickly.
For all other eligible spending, you earn 1 Travel Credit for every ₹200 spent, allowing you to earn rewards on everyday purchases like groceries and dining.
Travel Credits can be converted into Air Miles, Hotel Points, Travel Bookings, or products from a wide variety of catalogues, giving you flexible redemption options.
Here’s an example of how you can maximise your rewards based on monthly spending across different categories:
| Category | Monthly Spend | Travel Credits Earned | Approximate Value |
|---|---|---|---|
Travel (Flights, Hotels) |
₹ 5,000 |
50 credits |
₹ 50 |
Dining |
₹ 2,000 |
10 credits |
₹ 10 |
Groceries |
₹ 3,000 |
15 credits |
₹ 15 |
Fuel (Regular Rewards) |
₹ 4,000 |
20 credits |
₹ 20 |
In this example, by spending in key categories like travel, dining, and groceries, you earn significant Travel Credits that can be redeemed for various travel and shopping rewards.
Disclaimer: The actual rewards may vary based on your spending behaviour and redemption choices.
To redeem your earned Travel Credits, log in to your SBI Card account and choose from options such as converting them to air miles, hotel loyalty points, or using them for travel bookings.
You can also redeem Travel Credits for a wide selection of products through the Shop & Smile rewards catalogue, including electronics, apparel, accessories, homeware, and more.
Travel Credits offer different values depending on how you redeem them:
1 Travel Credit = ₹1 when converted to air miles or hotel points
1 Travel Credit = ₹0.50 for travel bookings
1 Travel Credit = ₹0.25 for products from the Shop & Smile rewards catalogue
Using the example above, here is an estimate of your potential rewards and savings over the course of a year with the SBI Card MILES (base variant), assuming eligible spends:
| Category | Annual Spend | Travel Credits Earned | Approximate Value (₹) as Miles/Hotel Points* |
|---|---|---|---|
Travel (Flights, Hotels) |
₹60,000 |
600 |
₹600 |
Dining |
₹24,000 |
120 |
₹120 |
Groceries |
₹36,000 |
180 |
₹180 |
Fuel** |
₹48,000 |
0 |
₹0 |
Total |
₹1,68,000 |
900 |
₹900 |
*Approximate value is shown assuming you redeem all Travel Credits for air miles or hotel points (1 credit = ₹1).
**Fuel and some other categories may not earn Travel Credits as per card terms and conditions.
Maximising spending on travel, dining, and fuel helps you earn valuable rewards, leading to significant annual savings that can be redeemed for travel or other purchases.
The SBI Card MILES allows you to redeem your Travel Credits for various products and services from the Shop & Smile rewards catalogue
You can choose from a wide range of items, including electronics, apparel, accessories, homeware, and more, for your Travel Credits
Alternatively, you can convert your Travel Credits into cash, with 1 Travel Credit equalling ₹1 for air miles or hotel points
For travel bookings, 1 Travel Credit equals ₹0.50, and for products from the Shop & Smile catalogue, it equals ₹0.25
To maximise your rewards, focus your spending on higher reward categories like travel and dining, earning Travel Credits more quickly
By strategically spending on these categories, you can redeem your Travel Credits for valuable experiences or products.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
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Reviewer
Ans: The SBI Card MILES is a travel-focused credit card offering Travel Credits on every purchase, which can be redeemed for air miles, hotel stays, or travel bookings.
Ans: SBI points can be converted into air miles or hotel points by logging into your SBI Card MILES account and selecting the conversion option in the rewards section.
Ans: 1 Travel Credit is equivalent to ₹1 for air miles or hotel points, ₹0.50 for travel bookings, and ₹0.25 for products from the Shop & Smile catalogue.
Ans: 1,000 reward points are worth ₹1,000 when redeemed for air miles or hotel points. The value may vary if redeemed for other rewards like products or travel bookings.
Ans: The SBI Card MILES offers benefits such as earning Travel Credits, access to domestic and international lounges, milestone rewards, fraud liability cover, and various redemption options.
Ans: The SBI Card MILES provides access to 4 complimentary domestic lounge visits per year and complimentary Priority Pass Membership, giving you access to over 1,000 international lounges.
Ans: Log into your SBI Card MILES account and navigate to the rewards section to convert your SBI points into air miles, hotel points, or travel bookings.
Ans: The annual fee for the SBI Card MILES is ₹1,499 plus GST, which can be waived off if you spend ₹6 Lakh within the membership year.
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