SBI CardMiles SBI Card
The Miles SBI Card is an entry-level travel card that earns airline miles on every spend, transferable to multiple airlines.
Top Category Performance
Cashback (75/100)
Joining Fee
₹1,499
Annual Fee
₹1,499
Reward Rate (%)
0.5 – 3
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
27/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Miles SBI Card Benefits
Miles SBI Card Rewards
How you earn back on every swipe
miles
Reward type
0.5% – 3%
Earn rate
24 months
Point expiry
Miles SBI Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Miles SBI Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No miles on fuel, EMI, cash advances, utility payments, government transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,499 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Miles SBI Card Eligibility
Pros & Cons
- Good entry-level travel credit card
- Higher rewards on international spends
- Domestic lounge access adds good value for the fee
- Yatra vouchers help offset annual fee
- Simple travel rewards structure for beginners
- Useful for moderate travelers and online bookings
- Easy annual fee waiver milestone
- Best redemption value tied mainly to Yatra platform
- No complimentary international lounge visits despite Priority Pass membership
- Forex markup is relatively high
- Reward flexibility is lower than premium travel cards
- Base rewards on domestic spends are average
- Limited premium travel and lifestyle benefits
- Reward exclusions apply on rent, wallet loads, EMI & fuel spends
Who is this card for?
Aspiring frequent flyers who want to earn airline miles at an affordable entry point. Best for those who fly 4–6 times a year and want the flexibility of transferring miles to their preferred airline.
Quick Links
Data last updated 13 Aug 2026
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Calculate your exact earnings with Miles SBI Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.