SBI Card MILES
SBI · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
4% on Travel
Travel Credits on flights & hotels, transferable to airlines
1% on Other
1% base value on other spends
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
3.5%
Forex markup
4.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Miles on: Travel partners
- 4.0% effective return on travel bookings
SBI Miles earns Travel Credits on flights and hotels bookable via SBI Card Travel portal — credits transferable to select airline programs. A flexible entry point to travel rewards for SBI customers not yet committed to a specific airline alliance.
Who is this for?
For SBI customers who travel 4–6 times a year by air and want a single card that earns travel credits without being locked into one airline. Good starter before upgrading to a miles-specific premium card.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 4% | — |
| Other | reward points | 1% | — |
Travel: Travel Credits on flights & hotels, transferable to airlines · Travel partners
Other: 1% base value on other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: Occasional flyer (4-6 flights/year), Does not want airline-specific loyalty lock-in, SBI account holder starting travel rewards journey, Stepping stone before upgrading to a premium travel card
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (4% back).
Pros
- Earns flexible travel credits redeemable for flights and hotels via SBI Card portal
- Not locked to a single airline — credits can be used across multiple carriers
- Good entry point into travel rewards for SBI customers
- Low ₹1,499 annual fee for a travel-focused card
Cons
- Travel portal redemption values lower than direct airline miles programmes
- Not a true airline co-brand — lacks the partner benefits of Air India or IndiGo cards
- ₹1,499 annual fee with no waiver
- Limited lounge access compared to premium travel cards
Eligibility & documents
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
Credit values through the SBI travel portal underperform direct airline miles programmes — flexibility costs basis points.
Bottomline
CardAdvisor Rating: 4.0 / 5SBI Miles is travel-rewards training wheels: earn credits, redeem via SBI's portal, no alliance homework. Reasonable for occasional flyers; frequent travellers will outgrow its rates and want a true transfer-partner card.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI Card MILES are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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