SBI Card Miles
Travel
Lounge Access
Reward Points
1st Year Fee: ₹1,499* Plus Applicable Taxes
Rewards
Up to 6,500 bonus Travel Credits per year
Lounge Access
Up to 12 free lounge visits per year
Fee Waiver
Fee waived on Rs. 6 lakh annual spends
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About SBI Card Miles
SBI Card Miles is a travel credit card designed to make your travels more rewarding. It offers Travel Credits as rewards on every card spend with a higher earning rate on travel spends. Though the reward rate of up to 1% struggles to compete with other similar cards, the travel-related redemption options make up for it by offering up to 1:1 points-to miles conversion ratios for 20+ top airline and hotel partners such as Air India, British Airways, Etihad Airways, IHG Hotels & Resorts, Radisson Hotels and many more. Other travel benefits include complimentary airport lounge access and spend-based bonus Travel credits and card fee reversal. Entirely focused on travel, this card is suitable for those who wish to get an agnostic travel credit card for domestic travels and is the base variant among other such SBI Card offerings – SBI Card Miles Prime and Miles Elite.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Rewards Program
This SBI Credit Card offers reward points in the form of Travel Credits, as given below:
- On Travel Spends: 2 Travel Credits on every Rs. 200 spent
- On Other Spends1: 1 Travel Credit on every Rs. 200 spent
- Redemption Options: You can redeem the accrued reward points against the following options –
- 1 Travel Credit = Up to Rs. 1 for Air Miles or Hotel Points conversion
- 1 Travel Credit = Rs. 0.50 for Travel Bookings
- 1 Travel Credit = Rs. 0.25 for Shop & Smile Product Catalogue
Other Features & Benefits
- Welcome Bonus: 1,500 Travel Credits on reaching Rs. 30,000 card spends within 60 days of card issuance after joining fee payment
- Complimentary Airport Lounge Access:
- Complimentary Priority Pass membership worth $99 for the first 2 years of card membership
- 4 complimentary visits to domestic lounges every year, capped at 2 visits per quarter
- Milestone Benefits:
- On every Rs. 1 lakh spent: An additional domestic airport lounge visit, up to 8 additional visits in a year (applicable to primary cardholder and any guest)
- On Rs. 5 lakh annual spends: 5,000 bonus Travel Credits
- On Rs. 6 lakh annual spends: Annual fee reversal
- Forex Mark-up: 3% on international spends
- Fuel Benefit: 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 500 to Rs. 4,000
SBI Card Miles: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 1,499 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You are looking for a card to save on your frequent domestic travels
You want an agnostic travel card that does not come with any partner brand, airline or hotel restrictions
You can maximise your reward points earnings and savings by availing the spend-based milestone benefits through your usual spending patterns
Similar Cards:
SBI Card Miles Prime
Axis Bank Horizon Credit Card
American Express® Platinum Travel Credit Card
HDFC Bank Regalia Gold Credit Card
Paisabazaar Review
What do we like about this card?
Features and benefits of SBI Miles credit card all focus on travel-related perks and savings. It comes with an accelerated reward rate on travel spends without any merchant restriction. The earned reward points can be used for future travel bookings by converting them into air miles or loyalty points of an extensive list of partner airlines and hotels in up to 1:1 ratio. The cardholders also get a good number of complimentary visits to domestic airport lounges which can be further increased in number depending on the annual spends.
Pros
- Accelerated rewards and savings on travel-related spends
- Reward points-to-miles conversion ratio of up to 1:1 for 20+ airline and hotel partners
- Up to 6,500 bonus reward points as welcome and milestone benefits
- Up to 18 complimentary domestic airport lounge visits in a year
Cons
- Low reward points accrual rate of up to just 1%
- Complimentary Priority Pass membership offered only for the 1st 2 years and no free international airport lounge access
Conclusion
SBI Card Miles stands out as a well-rounded travel credit card, offering a mix of reward points as Travel Credits, milestone benefits and other travel perks. However, the reward earning rate of this card is quite limited and does not offer much for those looking for rewards on non-travel spending categories, like shopping, dining, or entertainment. So, cardholders can only maximise the value-back by rewards redemption against flight tickets and hotel reservations by converting the reward points into partner airmiles or hotel points. All other card features are also focused towards travel so if you are looking for a card for your travels, then this card is a decent choice. For a better value-back, you can also opt for other SBI Card Miles variants - Miles Prime or Miles Elite. However, if you want a card that also rewards daily expenses and other category spends, like dining, shopping and others, you may want to explore alternative options with broader overall benefits.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the earned reward points (Travel Credits) are only valid for 24 months from the date of their accrual.
Regular Travel Credits will reflect in your account within 10 days of the spend date and those earned as welcome bonus will reflect within 15 working days from the date of reaching the spending milestone.
No, there is no capping on reward earnings or redemptions. However, the cardholders must use at least 2,000 Travel Credits for every redemption and must redeem their Travel Credits in the multiples of 2,000.
Despite offering a complimentary Priority Pass to the cardholders, SBI Card Miles does not offer any free international lounge visit. Cardholders can access the lounges under this program without paying membership fee, but will have to pay the visit charges nonetheless.
Footnotes
- The following spending categories will not earn any reward points: fuel, utility, insurance, e-wallet loading, rent, property management payments, education, cash advances, quasi cash, balance transfers, balance transfers on EMIs, card fees and charges, disputed transactions, Flexipay and merchant EMIs.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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