What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 4,999 + taxes. The Renewal Fee is Rs. 4,999 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India. You can use your card to make payments at any outlet that accepts MasterCard / RuPay. You can withdraw cash from over 1 million ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaMastercard

SBI Card MILES

TravelPremiumMastercardRuPay

SBI Card MILES

Frequent flyers who value lounge access over cashback

Annual fee₹1,499Waived on ₹6.0L spend

Rewards0.25%0.5 Travel Credit per ₹200

Forex markup3%Low foreign currency mark-up charge of 3% on international usage

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Welcome benefits

worth ₹1,500

1,500 Travel Credits

Type: Travel Credits
Trigger: Spend ₹30,000 within 60 days

Rewards

Base earn rate

Earn 1 Travel Credit for every ₹200 on other spends

Excludes: Fuel, Emi, Wallet, Property Rental, Utilities, Insurance

Category	Rate	Cap
Travel	—	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Threshold —(annual)→ 5,000 Bonus Travel Credits
Threshold —(incremental)→ 1 additional domestic airport lounge visit
Threshold —(annual)→ Annual fee reversed

Lounge access

Domestic

16visits / year

Max 4 per quarter
Max 2 per month

MastercardRuPay

SBI Network-Partner Lounge Program (Visa/RuPay/Mastercard) lounge programme →

International

Priority Pass

—complimentary visits

Membership value USD 99

Fees & charges

Joining fee: ₹1,499 + taxes
Annual / renewal fee: ₹1,499 + taxes
Annual fee waiver: Annual fee reversed on spends of ₹6 lakhs in a membership year
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: Low foreign currency mark-up charge of 3% on international usage
DCC markup: 3%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300