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SBI Card Miles PRIME
SBI Card Miles PRIME sits between the entry-level SBI Card Miles and the premium Miles ELITE, aimed at travellers who want meaningful lounge access and a reduced forex markup without paying the ELITE tier's fee. It earns 2X Travel Credits on travel spend and includes 8 domestic plus 4 international lounge visits a year, positioning it as a sensible mid-point upgrade once a cardholder outgrows the base Miles card's lounge-free structure.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
miles
Base reward rate
1%
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: 1% base rate
- Domestic lounge access: 8 domestic and 4 international airport lounge visits per year, a step up from the base Miles card's lounge-free variant
- International lounge access: 8 domestic and 4 international airport lounge visits per year, a step up from the base Miles card's lounge-free variant
Benefits by category
- ✈️ Travel
2% reward rate · 8 domestic and 4 international airport lounge visits per year, a step up from the base Miles card's lounge-free variant
- 🌍 Forex / international spend
Reduced 2.5% foreign currency markup on international spends, better than SBI's standard 3.5% rate · 2.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- 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: 2.5%
- 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- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- 3,000 welcome Travel Credits on joining, plus an extra 3,000 Travel Credits on crossing Rs 60,000 spend within the first 60 days
- 8 domestic and 4 international airport lounge visits per year, a step up from the base Miles card's lounge-free variant
- 10,000 bonus Travel Credits awarded on crossing Rs 8 lakh in annual spend
- Reduced 2.5% foreign currency markup on international spends, better than SBI's standard 3.5% rate
Pros
- + 8 domestic + 4 international lounge visits a year
- + Lower 2.5% forex markup than the base Miles card's 3.5%
- + Generous welcome and milestone Travel Credit bonuses
- + Positioned as an accessible mid-tier step up for growing travel spend
Cons
- − Higher fee than the base Miles card for the added lounge access
- − Fee waiver needs a fairly high Rs 10 lakh annual spend
- − Travel Credits carry no cash redemption value
Best for
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