Travel Affordably with the SBI Card MILES Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

26 Mar 26
6 mins

Shreyansh Singh

08 Mins
26-03-26

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Table of Contents

Key Benefits of the SBI MILES Credit Card
Additional Features of the SBI Card Miles Credit Card
General Fees and Charges of The SBI Miles Credit Card
Example of an Optimal Use of the SBI MILES Credit Card
How To Apply for The SBI Card Miles Credit Card?

Get Travel Credits on your spending and with the SBI Card MILES, each Travel Credit can be worth up to ₹1 when redeemed for air-mile or hotel-point conversions
Get up to 6,500 travel credits as a bonus for using the SBI Miles credit card.
Get a complimentary Priority Pass Membership worth $99 and enjoy access to over 1000 lounges worldwide.
Enjoy an annual fee reversal for spending ₹6 lakh on your Miles card in a membership year.

Discover how you can travel smart and affordably with SBI Card MILES. This entry-level travel credit card from SBI Card is perfect for moderate spenders who want strong travel perks without hefty fees.

Earn Travel Credits on every swipe, redeem them for flights, hotels or bookings, and enjoy lounge access as you journey.

Dive into this page to see how the SBI Miles credit card unlocks value for your next trip.

Key Benefits of the SBI MILES Credit Card

The SBI Miles card is featured for frequent travellers and hence offers benefits and rewards most valuable for them. Let us know about them in detail.

Welcome Bonus

Spend ₹30,000 within the first 60 days and get 1,500 bonus travel credits on top of your earned credits as a welcome bonus.

Rewards Program

Enjoy 2 travel credits on every multiple of ₹200 you spend on travel expenses.
Earn 1 travel credit for ₹200 spent on all other expenses.

Milestone Benefits

Get 1 additional domestic airport lounge access for every multiple of ₹1 lakh spent in a year.
Enjoy 5,000 bonus Travel Credits on reaching the ₹5 lakh spending milestone.
Get your annual fees refunded on spending ₹6 lakh in a membership year.

Complementary Lounge Access

Get a complimentary Priority Pass Membership worth $99 and enjoy free lounge access at over 1000+ international lounges worldwide.
Enjoy 4 complimentary Domestic Airport Lounge visits in a year. You can use 2 per quarter. Make sure you have available lounges on SBI Card Miles on Rupay.
Make sure it is MasterCard or RuPay lounges.

Additional Features of the SBI Card Miles Credit Card

Here are some additional features that SBI provides on its credit cards for its customers’ convenience.

Get a 1% waiver on Fuel Surcharge across all petrol pumps.
Use the “Easy Bill Pay” facility from SBI to seamlessly pay all your utility bills on time.
Transfer balance from other credit cards to your SBI Card Miles credit cards within just 2-3 working days.
Use the “Flexipay” facility to pay a bill in flexible instalments at affordable interest rates.

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General Fees and Charges of The SBI Miles Credit Card

Apart from joining / Renewal fees, other charges are also applicable under certain circumstances. Here are the details about them.

Types of Fees and Charges	Amount and Conditions
Joining / Renewal Fees	₹1,499 + GST (Renewal fee is waivable)
Cash Withdrawal Fee	2.5% of the transaction amount or ₹500, whichever is higher.
Interest on Late Payments	up to 3.75% per month (45% p.a)
Late Payment Fee	₹0 to ₹1,300, depending on the amount due.
Forex Fee	3% of the transaction amount.
Overlimit Fee (Fee for spending over the credit limit)	2.5% of the overlimit amount or ₹600, whichever is higher.
Utility Payment Fee	1% on total utility bills, if the total utility bill exceeds ₹50,000.

💡Credit cards can be highly beneficial until you run into the trap of finance charges and late payment fees for missing your payment date. Eradicate the risk of missing the due date with the help of the Automatic Credit Card Bill Payment option available with the Pice App.

Example of an Optimal Use of the SBI MILES Credit Card

People who are frequent travellers and can spend ₹6 -7 Lakh in a membership year will be able to churn out the maximum value from their SBI Card Miles credit card. Under this circumstance, the cardholder can earn up to 12,500 travel credits.

6,000 Travel Credits earned on travel expenses.
1,500 credits earned as a welcome bonus.
5,000 bonus credits earned as milestone benefits.

If used properly, these 12,500 credits can offer a value of up to ₹12,500. This will help you to profit over the ₹1,499 joining fee and will also waive off your renewal fee.

This means you can gain an additional value of about ₹11,000 (₹12,500 - ₹1,499) on your Miles credit card.

How To Apply for The SBI Card Miles Credit Card?

Follow the steps below to apply for an SBI MILES Credit card.

Step 1: Click here to visit the official SBI Card Miles Credit card website.

Step 2: Click on the blue “Apply Now” button on the screen.

Step 3: Provide your relevant personal information, including your KYC documents such as PAN or Aadhaar Card.

Step 4: Enter your professional details. The details include your occupation, designation, and employer name, company name, etc.

Step 5: Once all details are filled up, click on “Submit” and wait for confirmation.

Step 6: Once you get your card, do your SBI card Miles login on the SBI app.

Footnotes

Get an earn rate of up to 1% on the SBI MILES Credit card.
Save more on international spends with a low forex fee of 3.00%.
Save up to ₹250 on fuel per statement cycle with the SBI Card MILES credit card.
Get up to 12 domestic airport lounge accesses in a year with the SBI card Miles credit card.
Check out the SBI card Miles Elite and SBI card Miles Prime versions if you have a higher spending capacity.

FAQs

How long do the Travel Credits remain valid?

Travel credits remain valid for 2 years, starting from the day of receipt.

How to earn Travel Credits fast on the SBI MILES Credit card?

The Miles credit card is a travel-based card, and hence, you can earn the most rewards by spending them on travel expenses and reaching the milestone benefits on the card.

What does SBI offer as a welcome bonus on the Miles credit card?

You can get 1,500 travel credits after spending ₹30,000 within 60 days of card issuance as a welcome bonus. These credits themselves can provide you value of ₹1,500, which covers your money spent on joining fees.