Make Every Trip Rewarding with SBI Card MILES PRIME

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

9 Dec 25
5 mins

Sandipan Mitra

08 Mins
09-12-25

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Table of Contents

Key Benefits of the SBI Card MILES PRIME
Additional Features of the SBI Card MILES PRIME
Fees and Charges Associated With the SBI Card MILES PRIME
Hacks to Get the Most Value for Your Earned Travel Credits
Steps to Apply for SBI Card MILES PRIME
Conclusion

The SBI MILES PRIME credit card is designed for travellers who want to earn more from every spend. All your purchases earn travel credits that you can later convert into travel miles or redeem for shopping, making each credit worth up to ₹1 when used wisely.

Beyond rewards, the SBI Card MILES PRIME also offers milestone benefits and premium travel privileges, which you will discover in detail as you read further.

Key Benefits of the SBI Card MILES PRIME

The SBI Card MILES PRIME benefits can be useful for frequent travellers and moderate spenders. Let’s know about them in detail.

Welcome Bonus

Get 3,000 bonus travel credits on spending ₹60,000 within 60 days of issuance.

Rewards Program

Enjoy 4 travel credits for every ₹200 you spend on travel expenses.
Earn 2 travel credits for spending ₹200 on all other spends.

Note: 1 travel credit can be valued up to ₹1 if you convert it to air miles or hotel points.

Complimentary Lounge Benefits

Enjoy 4 complimentary international airport lounge accesses in a year. You can use a maximum of 2 visits in a quarter.
Get 2 complimentary domestic airport lounge visits every quarter, which brings to 8 accesses in a year.

Milestone Bonus

Get 1 bonus domestic airport lounge visit as a reward for every multiple of ₹1 lakh spend on your card.
Enjoy 10,000 bonus travel credits for spending ₹8 lakh on your card in a year.
Get a free credit card renewal upon spending ₹10 lakh in a membership year.

Additional Features of the SBI Card MILES PRIME

Save up to ₹250 as a fuel surcharge waiver on the SBI card MILES PRIME credit card.
Use the “Easy Bill Payment” facility to rest assured that all your regular utility bills are paid on time.
Transfer your outstanding balance from any other credit card to this card within 2-3 working days.
Get flexible instalment options for any purchase on your credit card with the “Flexipay” feature.

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Fees and Charges Associated With the SBI Card MILES PRIME

Charges	Amount and Conditions
Joining and Renewal Fees	₹2,999 + taxes
Cash Withdrawal Fees	2.5% or ₹500, whichever is higher
Interest on Late Payment	Up to 3.75% per month (45% p.a)
Late Payment Fee	₹0 to ₹1,300, depending on the amount due.
Forex Fee	2.5%
Over Limit Fee	2.5% of the overlimit amount or ₹600, whichever is higher
Utility Payment Fee	1% on the total bill if the spend on utility bills exceeds ₹50,000

💡For your bill payments and tracking business transactions, use the PICE App.

Hacks to Get the Most Value for Your Earned Travel Credits

If you are able to spend ₹8 lakh on your SBI Card MILES PRIME, you can earn up to 16,000 travel credits and you get a bonus of 13,000 travel credits, which brings us to 29,000 travel credits.

This can get you up to ₹29,000 worth of hotel stays at properties like Marriott.

To avail such benefits, the applicant must be of such a type:

A frequent traveller, especially an international traveller.
Must have a spending capacity of ₹8 - 10 lakh in a year on this card.
The applicant should have a plan to spend ₹60,000 within the first 60 days.
Avoid using travel credits for shopping.
Must accumulate and spend the travel credits within 2 years.

Steps to Apply for SBI Card MILES PRIME

Follow the pointers below to apply for the MILES PRIME credit card from SBI easily:

Step 1: Search for ‘SBI Credit Cards’ on your browser.

Step 2: Visit the official SBI Card website.

Step 3: Go to the ‘Credit Cards’ option and from the drop-down menu, click on the ‘Travel and Fuel’ variant.

Step 4: Scroll down and navigate to the ‘SBI Card MILES PRIME’ page and click on the ‘Apply Now’ option below.

Step 5: Provide your personal information, including your KYC documents, including PAN and Aadhaar Card.

Step 6: Enter your professional details, such as occupation, designation and employer name, company name, etc.

Step 7: Click on submit and wait for confirmation.

Note: During the application process, ensure you have access to the necessary documents such as your identity proof, address proof and income proof.

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Conclusion

The SBI Card Miles PRIME is a powerful travel-focused credit card that maximises value through travel credits, milestone bonuses and premium lounge access. With smart usage, travellers can extract rewards worth up to ₹1 per credit, making SBI Card Miles PRIME an excellent choice for frequent and high-value spenders.