SBI Card
Signature · MILES PRIME
SBI MILES PRIME Credit Card
SBI Card
Earn 4 travel credits per ₹200 on travel with premium travel benefits
Annual Fee
₹2,999
Joining Fee
₹2,999
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹16,461
Total Annual Benefits
₹20,000
Total Annual Charges
₹3,539
ROI
466%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 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)
4 Travel Credits per ₹200 on Travel Spends
Earn 4 travel credits per ₹200 on travel bookings including flights, hotels, and holidays
- • Valid on travel bookings
4 TC per ₹200
Reward Points (1)
2 Travel Credits per ₹200 on All Other Spends
Earn 2 travel credits per ₹200 on all other retail spends
2 TC per ₹200
Airport Lounge Access (2)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
- • 2 complimentary visits per quarter at domestic airports
8 visits/year
₹20,000/yr
International Lounge Access
2 complimentary international airport lounge visits per year via Priority Pass
- • Access via Priority Pass membership
2 visits/year
₹7,000/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
2 TC per ₹200 (4X on travel)
Effective cashback: 1.00%
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
4 travel credits per ₹200 on travel spends
Milestone Bonuses
5,000 bonus travel credits on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
5,000 Travel Credits
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,999 Excluding 18% GST |
| Annual Fee | ₹2,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- 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
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 740
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹50,000
- • Self-Employed: Minimum ITR of ₹6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Travel Insurance
₹5.0 L
Lost Card Liability
₹5.0 L
Report within 24h
- • Air accident cover: ₹10 Lakh
- • Lost card liability: ₹5 Lakh
- • Travel insurance: ₹5 Lakh
- • Baggage delay/loss: ₹25,000
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
2 visits/year
Via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks
- • Domestic: 2 complimentary visits per quarter
- • International: 2 complimentary visits per year via Priority Pass
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Premium travel credits program Domestic and international lounge access Travel insurance
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 PRIME Credit Card is a premium travel card offering 4 travel credits per ₹200 on travel spends and 2 travel credits per ₹200 on all othe...
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