SBI Card MILES PRIME
SBI
₹2,999
Joining fee
₹2,999, waived at ₹10L spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Reward details
2 Travel Credits per Rs 200 on other categories
- 4 Travel Credits per Rs 200 on Travel category
Welcome bonus: 3,000 credits upon Rs 60,000 spend within 60 days
- Rs 8 lakh annual spend: 10,000 credits
Redemption
Ratio: 1 credit = Rs 1 when converting to airline/hotel miles (up to 1:1 with select partners); 1 credit = Rs 0.50 for travel bookings; 1 credit = Rs 0.25 for merchandise purchases
Excluded from rewards: fuel, utilities, insurance, education, e-wallet loading, rent, cash advances, balance transfers, card fees, merchant EMIs, disputed transactions
- Domestic lounge: 1 additional visit per Rs 1 lakh spent (max 12 additional visits/year) beyond the base 8
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated savings on travel spends — Paisabazaar
- Complimentary access to both domestic and international airport lounges — Paisabazaar
- Conversion ratios up to 1:1 for miles/hotel points — Paisabazaar
Complaints
- Low rewards earning rate for all non-travel spends — Paisabazaar
- Priority Pass membership only offered for the first 2 years — Paisabazaar
- No card benefit on non-travel spending categories — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, forex, lounge, rewards, sentiment