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SBI Card MILES PRIME
SBI • Visa

SBI Card MILES PRIME

Mid-tier SBI travel card offering stronger travel earn rates and better transfer flexibility.

Annual Fee₹2999Waived on INR 3L annual spend
Base Reward1.2%On all spends
Lounge Access3020 domestic • 10 intl
Est. Annual Savings₹1,969Based on ₹4.8L annual spend

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₹4,320

Assumes base reward rate only.

Annual feeWaived

Waived on INR 3L annual spend

Net value₹4,320

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
4.0%
International
1.5%
Basedefault
1.2%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • SBI Card MILES PRIME is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 1.2%.
  • Current mapped lounge footprint is 30, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international 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 2,999 and reduce allocation if annual net value weakens.

Watchouts

  • 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.

Truth Data Snapshot

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

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Offer Truth

  • Joining fee₹2,999
  • Annual fee₹2,999
  • Waiver threshold₹3,00,000
  • 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 count20
  • International count10
  • Quarterly limitNot listed
  • Airport-terminal rows30
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports26
  • Approval reports16

Upgrade 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+12 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 +₹3,008/yr value
View Details

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 PRIME using your current quarter spend.

₹0 spent₹25 target

Policy signal used: - Source file: SBI Card Airport Lounge Access page (Set B 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: • Mid-tier SBI travel variant with stronger lounge positioning than the base MILES card. • Lounge eligibility can include spend-linked gates; verify current threshold with SBI Card. • Quarter/cycle-based validation can apply depending on active issuer lounge circulars. • Guest eligibility, if any, is program dependent and should be verified at booking time. • Check latest SBI Card guide for Priority Pass or equivalent international lounge mechanics. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Lounge eligibility can include spend-linked gates; verify current threshold with SBI Card.

Quarter / cycle rule

Quarter/cycle-based validation can apply depending on active issuer lounge circulars.

Guest access

Guest eligibility, if any, is program dependent and should be verified at booking time.

Priority Pass

Check latest SBI Card guide for Priority Pass or equivalent international lounge mechanics.

Lounge Locations

30 airport lounge rows
View lounge map and location list30 rows
Loading interactive lounge map...

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

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

The LoungeInternational

AHM • Ahmedabad Airport • International T2

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic T2

080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic T1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

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

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerry Restaurant & BarDomestic

COI • Coimbatore Airport • Domestic NA

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa 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

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic T1

Earth LoungeInternational

KOC • Kochi Airport • International T3

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

Srinagar

1 lounges • 0 domestic • 1 international

1
Paahun The Executive LoungeInternational

SRI • Srinagar Airport • International T1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Vishakhapatnam

1 lounges • 1 domestic • 0 international

1
The Airr LoungeDomestic

VIS • Vishakhapatnam Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Improved travel earn over the base SBI MILES variant
  • Travel Credit and partner transfer options
  • Enhanced lounge program over base variant (subject to active issuer criteria)
  • Milestone bonuses on annual spend
  • Complimentary lounge access benefits

Things to Consider

  • Higher annual fee vs entry-level travel cards
  • Redemption value changes by travel partner
  • Spend and cycle-based lounge gating may apply

About SBI Card MILES PRIME

SBI Card MILES PRIME is a miles card from SBI, best for frequent domestic flyers wanting better travel returns. It is tagged under travel, premium, rewards, international categories in our database.

TravelPremiumRewardsInternational

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Frequently asked questions

Is SBI Card MILES PRIME lifetime free?

It has an annual fee of ₹2999. Waived on INR 3L annual spend

What rewards does SBI Card MILES PRIME offer?

Mid-tier SBI travel card offering stronger travel earn rates and better transfer flexibility.

Does SBI Card MILES PRIME include lounge access?

SBI Card MILES PRIME lists 30 lounge visits (20 domestic, 10 international).

Who should consider SBI Card MILES PRIME?

Frequent domestic flyers wanting better travel returns

Where can I apply for SBI Card MILES PRIME?

Check the issuer website for application availability.