About SBI Card Miles
SBI Card Miles is a travel credit card designed for users who want to earn rewards on their travel spends. This SBI credit card offers Travel Credits on every transaction, with a higher earning rate on travel-related expenses.
While the base reward rate of up to 1% is relatively modest, the card makes up for it through flexible redemption options. You can convert Travel Credits into air miles at up to a 1:1 ratio across 20+ airline and hotel partners like Air India, British Airways, Etihad Airways, IHG Hotels & Resorts, and Radisson Hotels.
The card also includes benefits like complimentary airport lounge access, spend-based bonus Travel Credits, and annual fee reversal on meeting spending milestones. As the base variant among SBI’s travel cards—alongside SBI Card Miles Prime and SBI Card Miles Elite—it is best suited for users looking for a simple, brand-agnostic card for domestic travel rewards.
SBI Card Miles Rewards Program
Rewards Program
- Earn 2 Travel Credits for every ₹200 spent on travel
- Earn 1 Travel Credit for every ₹200 spent on other categories
Reward Redemption
- 1 Travel Credit = Up to ₹1 for Air Miles or Hotel Points conversion
- 1 Travel Credit = ₹0.50 for travel bookings
- 1 Travel Credit = ₹0.25 for Shop & Smile catalogue
Airline & Hotel Partners (Points Conversion)
- 1:1 Ratio: Air Asia, Air Canada, Air France-KLM, Air India, British Airways, Etihad Airways, Cathay Pacific, SpiceJet, Thai Airways, Qantas Airways, IHG® Hotels & Resorts, Orchid Hotels, Wyndham Hotels & Resorts, Radisson Hotel Group
- 2:1 Ratio: Air Arabia, Ethiopian Airlines, Emirates, Japan Airlines, Saudia, Turkish Airlines, United Airlines, Qatar Airways, Accor, ITC Hotels, Jumeirah Hotels & Resorts
- 6:1 Ratio: Shangri-La Group
Suggested Read: Best Credit Cards for Hotel Stays in India
Other Features and Benefits
Welcome Benefit
- Get 1,500 Travel Credits on spending ₹30,000 within 60 days of card issuance (after joining fee payment)
Lounge Access
- Complimentary Priority Pass membership worth $99 for the first 2 years
- Enjoy 4 complimentary domestic lounge visits every year (max. 2 per quarter)
Also Check: Best Lounge Access Credit Cards
Milestone Benefits
- Earn 1 additional domestic lounge visit on every ₹1 Lakh spend, up to 8 visits per year
- Get 5,000 bonus Travel Credits on annual spends of ₹5 Lakh
- Enjoy annual fee waiver on spending ₹6 Lakh in a year
Also Read: Best Milestone Benefits Credit Cards
Forex Mark-up
- 3% forex mark-up fee on international transactions
Fuel Benefit
- Save 1% on fuel surcharge for transactions between ₹500 and ₹4,000, up to ₹250 per month
Also Read: Best Fuel Credit Cards
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 1,499 + Applicable Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Charges | | On outstanding balance of – | | | Up to Rs. 500 | Nil | | More than Rs. 500 up to Rs. 1,000 | Rs. 400 | | More than Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | More than Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI Card Miles
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Card Miles Highlights
What do we like about this card?
- Earn Travel Credits on every spend, with higher rewards on travel transactions
- Get 1,500 Travel Credits as a welcome bonus on meeting initial spend criteria
- Redeem Travel Credits for air miles, hotel points or travel bookings
- Complimentary Priority Pass membership with domestic lounge access benefits
- Additional lounge visits on milestone spends, up to 12 visits per year
- Earn 5,000 bonus Travel Credits on ₹5 Lakh annual spends
- Annual fee waiver on achieving ₹6 Lakh yearly spends
- Save on fuel with 1% surcharge waiver, up to ₹250 per month
- Suitable for frequent travellers looking for travel rewards and lounge access
Things to Know Before you apply
Get this card if:
- You travel frequently within India and want to save on domestic trips
- You prefer a travel credit card without restrictions of any specific airline or hotel brand
- You can maximize benefits by meeting milestone spends through your regular expenses
Pros
- Earn accelerated rewards on travel-related spends
- Convert reward points to air miles or hotel points at up to a 1:1 ratio with multiple partners
- Get up to 6,500 bonus reward points through welcome and milestone benefits
- Enjoy up to 18 complimentary domestic lounge visits every year
Cons
- Base reward earning rate is low at around 1%
- Priority Pass membership is limited to the first 2 years only
- No complimentary international lounge visits available
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
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Frequently Asked Questions
Regular Travel Credits are usually credited within 10 days of the transaction. Welcome bonus credits are added within 15 working days after meeting the required spending condition.
Yes, the Travel Credits earned on this card are valid for 24 months from the date they are credited. It is important to use them within this period to avoid expiry.
No, the card does not provide free international lounge visits. Although you get a complimentary Priority Pass membership, you will still have to pay for each lounge visit.
There is no upper limit on earning or redeeming Travel Credits. However, redemption can be done only in multiples of 2,000 credits, with a minimum of 2,000 credits per redemption.
