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SBI Card MILES
SBI • Visa

SBI Card MILES

Apply Now
Decision memo
Get it if

Route this card to travel spends first, then shift spillover transactions to stronger category alternatives

Skip it if

miles value depends on travel transfer planning and redemption timing

Verified 12 Feb 2026VerifiedHigh confidence2 sources checked

For New travelers entering miles-based rewards. 3% on travel spend. ₹1,499 fee, waiver at ₹2,00,000 / year. Lounge rule: ₹25 / quarter.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

New travelers entering miles-based rewards

  • Higher reward earn rate on travel spends
  • Travel credit style redemption flow
  • Complimentary lounge program with issuer-defined eligibility criteria
  • Milestone benefits for annual spending
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Redemption value depends on partner and route
  • General non-travel spend return is moderate
  • Lounge qualification rules may be revised by issuer program updates
Annual Fee₹1,499Joining fee ₹1,499
Spend to Waive Fee₹2,00,000 / yearWaived on INR 2L annual spend
Best Category Return3%Travel spend
Lounge Access Condition₹25 / quarter16 visits listed

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Route this card to travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watch before applying

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Same-bank step-up path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+26 more lounge visits in current datasetNo higher annual fee vs current card
View Details
Step 2

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: RewardsHigher top earn rate (7.5%)Estimated +₹3,222/yr value
View Details

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual fee₹1,499

Joining fee ₹1,499

Fee waiver₹2,00,000 / year

Waived on INR 2L annual spend

Best return3%

Travel spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on INR 2L annual spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

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Reward Rate Breakdown

Category-wise reward rates for this card

Travel
3.0%
Basedefault
1.0%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offersNone right now

Offer availability changes often.

Best redemptionNot highlighted

This card is better treated as direct cashback or feature value.

MilestonesNo milestone edge

No standout milestone boost highlighted.

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listed16 visits

10 domestic • 6 international

Access rule₹25 / quarter

- Source file: SBI Card Airport Lounge Access page (Set A lounges). - Participating lounge list effective 10 Jan'26. - Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard). Policy override notes: • Entry-level SBI travel card with lounge benefits that can be spend-gated by policy revisions. • Lounge access can be tied to spend criteria in issuer policy updates; confirm before travel. • Cycle/quarter validation may apply depending on latest SBI Card lounge policy. • Guest lounge access is not explicitly listed for the base SBI Card MILES variant. • International lounge benefit may depend on network/program enrollment; confirm in latest benefits guide. Verify latest spend criteria and guest access with issuer before travel.

Coverage sourceIssuer mapped

Mapped from issuer lounge dataset + card policy signals

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

Lounge eligibility checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for SBI Card MILES using your current quarter spend.

₹0 spent₹25 target

Policy signal used: - Source file: SBI Card Airport Lounge Access page (Set A lounges). - Participating lounge list effective 10 Jan'26. - Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard). Policy override notes: • Entry-level SBI travel card with lounge benefits that can be spend-gated by policy revisions. • Lounge access can be tied to spend criteria in issuer policy updates; confirm before travel. • Cycle/quarter validation may apply depending on latest SBI Card lounge policy. • Guest lounge access is not explicitly listed for the base SBI Card MILES variant. • International lounge benefit may depend on network/program enrollment; confirm in latest benefits guide. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Lounge access can be tied to spend criteria in issuer policy updates; confirm before travel.

Quarter / cycle rule

Cycle/quarter validation may apply depending on latest SBI Card lounge policy.

Guest access

Guest lounge access is not explicitly listed for the base SBI Card MILES variant.

Priority Pass

International lounge benefit may depend on network/program enrollment; confirm in latest benefits guide.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

16 rows

Lounge locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count10
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports20
  • Approval reports12

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
Is SBI Card MILES lifetime free?

It has an annual fee of ₹1499. Waived on INR 2L annual spend

What rewards does SBI Card MILES offer?

Entry-level travel card with accelerated travel earning and Travel Credit-led redemptions.

Does SBI Card MILES include lounge access?

SBI Card MILES lists 16 lounge visits (10 domestic, 6 international).

Who should consider SBI Card MILES?

New travelers entering miles-based rewards

Where can I apply for SBI Card MILES?

Check the issuer link listed for this card.

Sources and verification

Issuer link, last verification date, and how this page was assembled.

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Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit