SBI Card MILES

Frequent flyers who value lounge access over cashback

Annual fee₹1,499Waived on ₹6.0L spend

RewardsEarn 1 Travel Credit for every Rs. 200 on other spends

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

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

Domestic

16visits / year

MastercardRuPay

International

Priority Pass

—complimentary visits

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