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SBI Card Miles
SBI Card Miles is an entry point into airline-miles-style rewards for travellers who aren't ready to commit to a premium travel card's fee. It earns Travel Credits that convert close to 1:1 with more than 20 partner airline and hotel loyalty programs, plus milestone bonuses that reward heavier annual spend. It works best as a stepping stone toward a higher-tier travel card once spend and loyalty needs grow, since the base variant skips lounge access.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
miles
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Travel: Travel Credits convert up to 1:1 into air miles or hotel points across 20+ airline and hotel loyalty partner programs, giving flexibility in how rewards are redeemed
Benefits by category
- ✈️ Travel
1% reward rate
- 🏨 Hotel
Travel Credits convert up to 1:1 into air miles or hotel points across 20+ airline and hotel loyalty partner programs, giving flexibility in how rewards are redeemed
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 5,000 bonus Travel Credits on crossing Rs 5 lakh annual spend, scaling up to 20,000 bonus Travel Credits at higher spend tiers between Rs 5-12 lakh
- Travel Credits convert up to 1:1 into air miles or hotel points across 20+ airline and hotel loyalty partner programs, giving flexibility in how rewards are redeemed
Pros
- + Wide network of 20+ airline and hotel partners for point transfers
- + Milestone bonuses scale up meaningfully with higher annual spend
- + Moderate annual fee compared to premium travel cards
- + Accessible eligibility bar relative to other travel-focused cards
Cons
- − Travel Credits have no cash redemption value, only travel-partner value
- − Base reward rate on non-travel spend is modest
- − No lounge access on this base variant, unlike its ELITE/PRIME siblings
Best for
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