MILES

Joining ₹1,499 · Annual ₹1,499 · Reversed on ₹6 lakh of annual spends

Fee break-even: ≈₹5,99,600/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Travel Credits · assumed 0.5 ₹/point. ₹0.50 per Travel Credit on travel bookings, SBI's own published ratio. Transfers to air miles and hotel points run at ₹1 per credit, but the mile's value then depends on the airline

Verified 13 Aug 2026

Forex markup3%

Fuel surcharge1% waived between ₹500 and ₹4,000

EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · The kindest fee structure here. There is nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert. Converting an already billed amount is a separate product costing 1% capped at ₹2,000. · Flexipay and merchant EMI earn nothing

Domestic lounge4 a year. SBI's page prints 4 visits every quarter and a 2 per quarter maximum in the same sentence, so plan on 2 a quarter and treat more as a bonus

International loungePriority Pass membership included, visits are billed to the card

Milestones

◆ Spend ₹5,00,000 per year → 5,000 bonus Travel Credits at ₹5 lakh of annual spends Worth ₹2,500

Return by category

Category	Return	Notes
Online spend	0.25%	Base rate
Amazon	0.25%	Base rate
Flipkart	0.25%	Base rate
Subscriptions & OTT	0.25%	Base rate
Offline spend	0.25%	Base rate
UPI spending	0.25%	The RuPay variant links to UPI and earns the base rate
Dining	0.25%	Base rate
Swiggy	0.25%	Base rate
Zomato	0.25%	Base rate
Groceries	0.25%	Base rate
Quick commerce	0.25%	Base rate
Swiggy Instamart	0.25%	Base rate
Blinkit	0.25%	Base rate
BigBasket	0.25%	Base rate
Movies & shows	0.25%	Base rate
BookMyShow	0.25%	Base rate
PVR INOX	0.25%	Base rate
Fuel	0%	No credits, MCCs excluded by SBI's own terms
Travel (general)	0.5%	2 Travel Credits per ₹200 on travel spends
Flights	0.5%	Uses its travel rate
Hotels	0.5%	Uses its travel rate
MakeMyTrip	0.5%	Uses its travel rate
IRCTC rail	0.5%	Uses its travel rate
International	−2.75%	0.25% reward − 3% forex markup
Utilities & bills	0%	Utility MCCs earn nothing
Rent	0%	Rent and property management earn nothing
Education fees	0%	Education MCCs earn nothing
Insurance premiums	0%	Insurance MCCs earn nothing
Government & tax	0.25%	Base rate
Wallet loads	0%	Wallet loads earn nothing
Anything else	0.25%	Base rate
Jewellery	0.25%	Not excluded, earns the base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome: 1,500 Travel Credits on early spends
1 extra domestic lounge visit for every ₹1 lakh spent, above the complimentary visits
Credits lapse 30 days after voluntary closure

Other exclusions

Flexipay and merchant EMI earn nothing

SBI Card MILESBest for A gentle start on air miles3.3 / 5

What we liked

Travel Credits transfer to air miles and hotel points at par, the cheapest entry into miles here
A 1,500 credit welcome and 5,000 more at ₹5 lakh
RuPay variant works on UPI

What to mind

0.25% base earning is thin
SBI's own page prints two different lounge counts in one sentence, plan on 2 a quarter
Six everyday categories earn nothing at all

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?