SBI Card
Gold · MILES
SBI MILES Credit Card
SBI Card
Earn 2 travel credits per ₹200 on travel spends with flexible redemption
Annual Fee
₹1,499
Joining Fee
₹1,499
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹8,231
Total Annual Benefits
₹10,000
Total Annual Charges
₹1,769
ROI
466%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (1)
2 Travel Credits per ₹200 on Travel Spends
Earn 2 travel credits per ₹200 on travel bookings including flights, hotels, and holidays
- • Valid on travel bookings
2 TC per ₹200
Reward Points (1)
1 Travel Credit per ₹200 on All Other Spends
Earn 1 travel credit per ₹200 on all other retail spends
1 TC per ₹200
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
- • 1 complimentary visit per quarter at domestic airports
4 visits/year
₹10,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Travel Credits
1 TC per ₹200 (2X on travel)
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Flight bookings (1 TC = ₹1)
- → Hotel bookings
- → Holiday packages
- → Travel portal
Bonus Categories
Travel
2x multiplier
2 travel credits per ₹200 on travel spends
Milestone Bonuses
2,000 bonus travel credits on spending ₹3 Lakh annually
Spend ₹3,00,000 annually
2,000 Travel Credits
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,499 Excluding 18% GST |
| Annual Fee | ₹1,499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹30,000
- • Self-Employed: Minimum ITR of ₹3.6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹5 Lakh
- • Lost card liability: ₹2 Lakh
- • Baggage delay: ₹15,000
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,500/visit
International
0 visits/year
N/A
Dreamfolks
- • Domestic: 1 complimentary visit per quarter
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Travel credits program Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The SBI MILES Credit Card is a travel-focused card offering 2 travel credits per ₹200 on travel spends and 1 travel credit per ₹200 on all other spend...
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