About SBI Card Miles Prime
SBI Card Miles Prime is one of the three cards in SBI’s Miles series, alongside SBI Card Miles and SBI Card Miles Elite. It is a strong option for users looking for a travel credit card focused on earning rewards on travel spends.
This card offers Travel Credits on every travel transaction, irrespective of the merchant. These credits can be converted into air miles or hotel loyalty points across 20+ partners at up to a 1:1 ratio, making it highly useful for frequent travellers.
The card also provides complimentary global airport lounge access, along with milestone benefits like fee reversal, bonus Travel Credits, and additional domestic lounge visits. It also comes with Priority Pass membership, though this benefit is limited to the first two years. Overall, this SBI credit card is best suited for users who spend heavily on travel, as it does not offer strong benefits on non-travel categories.
SBI Card Miles Prime Rewards Program
Rewards Program
- Earn 4 Travel Credits per ₹200 spent on travel (accelerated rate)
- Earn 2 Travel Credits per ₹200 spent on all other categories
Reward Redemption
- 1 Travel Credit = ₹1 for Air Miles or Hotel Loyalty 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 India, Air Canada, British Airways, Etihad Airways, Cathay Pacific, SpiceJet, Air France-KLM, Thai Airways, Qantas Airways, IHG® Hotels & Resorts, Wyndham Hotels & Resorts, Radisson Hotel Group, Orchid Hotels
- 2:1 Ratio: Emirates, Air Arabia, Qatar Airways, Ethiopian Airlines, Japan Airlines, Saudia, Turkish Airlines, United Airlines, 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 3,000 Travel Credits on spending ₹60,000 within 60 days of card issuance (after joining fee payment)
Lounge Access
- Get Priority Pass membership worth $99 for the first 2 years
- Enjoy 4 complimentary international lounge visits per year (max. 2 per quarter)
- Get 8 complimentary domestic lounge visits per 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
- Get 10,000 Travel Credits on annual spends of ₹8 Lakh
- Enjoy annual fee waiver on spending ₹10 Lakh in a year
Also Read: Best Milestone Benefits Credit Cards
Forex Mark-up
- 2.5% forex mark-up fee on international transactions
Fuel Surcharge Waiver
- Save 1% on fuel surcharge for transactions between ₹500 and ₹4,000, up to ₹250 per month
Insurance Benefits
- Flight cancellation cover up to ₹3,500 per instance (max. 6 times per year)
- Lost card liability cover up to ₹1 Lakh
- Air accident cover up to ₹1 Crore
- Loss of check-in baggage cover up to ₹72,000
- Baggage delay cover up to ₹7,500
- Loss of travel documents cover up to ₹12,500
- Baggage damage cover up to ₹5,000
Also Read: Best Fuel Credit Cards
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 2,999 + 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 Prime
- 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 Prime Highlights
What do we like about this card?
- Earn 4 Travel Credits per ₹200 spent on travel (accelerated rate)
- Earn 2 Travel Credits per ₹200 spent on all other categories
- High travel rewards with bonus Travel Credits on milestone spends
- Complimentary domestic and international lounge access with Priority Pass
- Additional lounge visits on regular spending milestones
- Low forex mark-up of 2.5% for international usage
- Welcome bonus of 3,000 Travel Credits on early spends
- Strong travel insurance coverage including air accident and baggage protection
- Fuel savings with surcharge waiver up to ₹250 per month
Things to Know Before you apply
Get this card if:
- You want a travel-focused credit card without being tied to any specific airline or hotel brand
- You are comfortable using reward points for travel bookings to get better value
- You can meet spending milestones to unlock extra benefits and waive the annual fee
Pros
- Earn higher savings on travel-related spends
- Convert reward points to air miles or hotel loyalty programs at up to a 1:1 ratio
- Get up to 13,000 bonus reward points as welcome and milestone benefits
- Enjoy complimentary access to both domestic and international airport lounges
Cons
- Low reward earning rate on non-travel spends
- Priority Pass membership is limited to the first 2 years
- No significant benefits on categories like shopping, dining, or entertainment
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
You can earn 4 Travel Credits per ₹200 on travel spends and 2 Travel Credits per ₹200 on all other spends.
Travel Credits can be redeemed for air miles or hotel loyalty points (1 TC = ₹1), travel bookings (₹0.50 per TC), or products via Shop & Smile (₹0.25 per TC).
Yes, the card offers complimentary domestic and international lounge access along with Priority Pass membership for added travel convenience.
Yes, you can earn bonus Travel Credits and additional lounge visits on achieving annual spending milestones.
The card charges a forex mark-up fee of around 2.5% to 3% on international transactions.
