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STATE BANK
Travel Credits that transfer to airline and hotel partners, at a 2.5% forex markup.
One-time
Waived on ₹10,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromTravel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
4% on Travel — Travel Credits on flights, hotels and travel agencies. 1 Travel Credit = Rs. 1 at 1:1 partners., with no stated cap.
Biggest limitation
Travel Credits are worth what the transfer partner gives them. SBI Card publishes no fixed rupee rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
4 pts
uncappedTravel
Travel Credits on flights, hotels and travel agencies. 1 Travel Credit = Rs. 1 at 1:1 partners.
2 pts
uncappedEverything else
SBI Card website or mobile app — redeem Travel Credits for: Air Miles conversion (20+ airline and hotel partners at up to 1:1), Travel Bookings at 1 TC = ₹0.50, or Shop & Smile product catalogue at 1 TC = ₹0.25. Login to sbicard.com → Rewards → Redeem Travel Credits
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹2,999 | — |
| Annual / renewal fee | ₹2,999 | Annual fee of Rs. 2,999 + GST is reversed on annual spends of Rs. 10,00,000 or more. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher. |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. | — |
| Foreign currency markup | 2.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹10,00,000 a year
is what it takes to keep the ₹2,999 fee off — about ₹83,333 a month
1% waiver. 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps across India; maximum benefit ₹250 per statement cycle
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹5,00,000 a year — about ₹41,667 a month
5,000 bonus Travel Credits on annual spend of ₹5,00,000; 10,000 bonus Travel Credits on annual spend of ₹8,00,000 (Spend ₹5,00,000 in a membership year to get 5,000 bonus TCs; spend ₹8,00,000 to get 10,000 bonus TCs (incremental, not cumulative))
Spend ₹10,00,000 a year — about ₹83,333 a month
Annual fee reversal on annual spend of ₹10,00,000; 1 additional domestic lounge visit per ₹1,00,000 spent (primary + guest, capped 12 extra/year) (Spend ₹10,00,000 in membership year for full fee reversal. For extra lounge visits: every ₹1L spend triggers 1 additional domestic airport lounge visit; capped at 12 extra visits per year)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI Card Miles Prime Credit Card · this card | ₹2,999 | 4% travel | Included |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹2,999 plus GST, waived on ₹10,00,000 of annual spend.
The strongest published rate is 4% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 2 complimentary domestic lounge visits a quarter, plus international visits through the card's travel programme.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions Government institution payments No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions, government institution payments. No Travel Credits on: fuel, utility bills, insurance premiums, education fees, e-wallet loading, rent, property management, cash advances, quasi-cash transactions, balance transfers, balance transfer EMIs, card fees and charges, Flexipay, merchant EMIs, and any disputed transactions
STATE BANK publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
SBI Card website or mobile app — redeem Travel Credits for: Air Miles conversion (20+ airline and hotel partners at up to 1:1), Travel Bookings at 1 TC = ₹0.50, or Shop & Smile product catalogue at 1 TC = ₹0.25. Login to sbicard.com → Rewards → Redeem Travel Credits
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
SBI Card Miles Prime is a premium agnostic travel credit card offering 4 Travel Credits per ₹200 on travel spends and 2 TCs per ₹200 on other spends. Travel Credits convert to air miles and hotel points across 20+ partners at up to 1:1 ratio. Includes 8 domestic + 4 international lounge visits, Priority Pass for 2 years, and travel insurance up to ₹1 crore.
Joining and annual fee is ₹2,999 + GST. Annual fee is completely reversed when you spend ₹10,00,000 or more in a membership year. No partial waiver — full reversal only at ₹10L spend threshold.
Earn 4 Travel Credits per ₹200 on travel spends (any travel merchant) and 2 TCs per ₹200 on all other eligible spends. 1 TC = ₹1 for air miles/hotel points at 1:1 partners, ₹0.50 for travel bookings, ₹0.25 for product catalogue. Fuel, utility, insurance, education, wallet, rent, EMI excluded.
1:1 partners: Air Asia, Air India, Air Canada, British Airways, Etihad, Cathay Pacific, SpiceJet, Air France-KLM, Thai Airways, Qantas, IHG Hotels, Wyndham, Radisson, Orchid Hotels. 2:1 partners: Emirates, Qatar Airways, Turkish, United, Accor, ITC Hotels, Jumeirah. 6:1: Shangri-La.
8 complimentary domestic airport lounge visits per year (2/quarter) + 4 international lounge visits per year (2/quarter). Plus 1 extra domestic lounge visit (primary + guest) for every ₹1 lakh spent — capped at 12 extra visits/year. Total potential: up to 20 domestic + 4 international visits. Priority Pass membership (1,000+ lounges) free for Year 1 and Year 2.
3,000 Travel Credits as welcome benefit on spending ₹60,000 within 60 days of card issuance post joining fee payment. Complimentary Priority Pass Membership worth $99 for first 2 years. These 3,000 TCs are worth ₹3,000 when redeemed as air miles — essentially recovering the joining fee.
Air accident cover up to ₹1 crore; check-in baggage loss up to ₹72,000; baggage delay ₹7,500; loss of travel documents up to ₹12,500; baggage damage up to ₹5,000; flight cancellation cover ₹3,500 per incident up to 6 times/year; lost card liability up to ₹1 lakh.
2.5% foreign currency markup on all international transactions — lower than the standard 3.5% on most Indian credit cards. Makes it relatively better for international spends compared to non-travel cards.
Miles Prime: ₹2,999 fee, 4 TC/₹200 travel, 2 TC/₹200 others, 8 domestic + 4 international lounges, Priority Pass 2 years, ₹10L fee reversal. Miles Elite: ₹4,999 fee, higher earn rates, more lounge visits, Priority Pass longer, higher milestones. Miles Prime is better for moderate-to-frequent travellers; Elite for very frequent high-spenders. Compare on CredSpy.
Primary cardholder: age 21–60, stable income (salaried or self-employed). Add-on card: age 18+. CIBIL score 700+ (750+ preferred). Minimum income at SBI Card's discretion — approx ₹50,000/month for salaried. PAN card mandatory.
CredSpy Pro Tip
Important Note on Priority Pass
CredSpy Verdict — 4.0/5
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SBI Card Miles Prime Credit Card — 4% on travel. ₹2,999 a year.