SBI Card Miles Prime
Travel
Lounge Access
Reward Points
1st Year Fee: ₹2,999* Plus Applicable Taxes
Travel
2% back as rewards on every travel spend
Rewards
Up to 13,000 bonus reward points per year
Airport Lounge
Up to 24 free lounge visits per year
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About SBI Card Miles Prime
SBI Card Miles Prime is one of the 3 agnostic travel credit cards offered by SBI Card, namely Miles, Miles Prime and Miles Elite. It comes with accelerated travel savings in the form of Travel Credits on every travel spend, irrespective of the merchant. These Travel Credits can later be redeemed as air miles and hotel loyalty points for future travel bookings made across 20+ travel partners in a conversion ratio of up to 1:1. Besides these rewards, the card also offers free airport lounge access across the globe, along with milestone benefits which include fee reversal, bonus Travel Credits, and additional domestic lounge visits. Though it also comes with Priority Pass membership, it is only available for the first 2 years. Another point to take note is that this card does not offer any significant benefit targeting non-travel spending categories.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Rewards Program
- Accelerated Rate: 4 Travel Credits per Rs. 200 spent on travel
- Base Rate: 2 Travel Credits per Rs. 200 spent on all other categories1
- Redemption Value:
-
- 1 Travel Credit = Rs. 1 for conversion to Air Miles/ Hotel Loyalty Points
- 1 Travel Credit = Rs. 0.50 for Travel Bookings
- 1 Travel Credit = Rs. 0.25 for ‘Shop & Smile’ Product Catalogue
Other Features & Benefits
- Airport Lounge Access:
- Priority Pass membership worth $99 for the first 2 years
- 4 complimentary international lounge visits per year, capped at 2 per quarter
- 8 complimentary domestic lounge visits per year, capped at 2 per quarter
- Milestone Benefits:
- 1 additional domestic airport lounge visit2 on every Rs. 1 lakh spent
- 10,000 Travel Credits as bonus on reaching Rs. 8 lakh annual spends
- Annual fee reversal on reaching Rs. 10 lakh annual spends
- Forex Mark-up Fee: 2.5% of the international spend made
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 2,999 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You want a card with travel-centric benefits but do not have a preference for any particular airline or hotel
You are okay with utilising your earned reward points for travel bookings to maximise your value-back through rewards
You can reach the spending thresholds to avail the milestone benefits and card fee waiver benefit to optimise your savings
Similar Cards:
SBI Card Miles Elite
HDFC Regalia Gold Credit Card
Axis Bank Horizon Credit Card
HSBC TravelOne Credit Card
Paisabazaar Review
What do we like about this card?
SBI Miles Prime is a decent option for those who do not have any particular airline or hotel loyalties and are looking for an agnostic travel credit card. This card offers a higher reward rate on travel spends without any capping or merchant limitations and lets you convert the reward points into airmiles and hotel points in 1:1 ratio. With both domestic and international airport lounge access without any spending condition, it helps in making the travel stress-free. The bonus reward points as joining and milestone benefits, along with option to waive the card fee and extend the number of free lounge visits, as per your spends, further help you to maximise your value-back.
Pros
- Accelerated savings on travel spends
- Up to 1:1 ratio for conversion of reward points to airmiles and hotel loyalty points
- Up to 13,000 additional reward points as joining and milestone bonus
- Complimentary access to both domestic and international airport lounges
Cons
- Low rewards earning rate for all non-travel spends
- Priority Pass membership only offered for the first 2 years
- No card benefit on non-travel spending categories such as shopping, dining, entertainment and others
Footnotes
- Exclusions: Payments made for fuel, utility, insurance, education, e-wallet loading, rent, property management, cash advances, quasi cash, balance transfers, balance transfers on EMIs, card fees and charges, Flexipay, merchant EMIs and any disputed transactions.
- Additional visits are capped at 12 visits every year, depending on the spends, and are available for primary card user as well as any guest
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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