IndiaBanks.org · independent research

Credit cards

Card MILES PRIME

A mid-tier travel credit card earning 4 Travel Credits per ₹200 on eligible travel spends and 2 per ₹200 elsewhere, with 8 domestic and 4 international lounge visits, a 2.5% forex markup and a ₹2,999 annual fee.

Cashback / reward formSBI Card MILES PRIME earns Travel Credits rather than statement cashback: 4 Travel Credits per ₹200 on eligible travel spends and 2 per ₹200 on other eligible spends. Its terms say Travel Credits cannot be exchanged for cash or credit; the reviewed page does not publish a statement-cashback rate.Travel Credits4 Travel Credits per ₹200 on eligible travel spends and 2 Travel Credits per ₹200 on other eligible spendsOffers and promotional benefitsWelcome benefit: 3,000 Travel Credits after ₹60,000 spend within 60 days of card issuance and joining-fee payment; Annual milestone: 10,000 bonus Travel Credits at ₹8 lakh annual spend; one additional domestic lounge visit per ₹1 lakh spend; fee reversal at ₹10 lakh
Official product page ↗Compare category

Quick eligibility check

Card MILES PRIME

0 of 8 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 21 to 70?

Published source: Eligibility

2Are you salaried or self-employed?

Published source: Eligibility

3Do you have a regular source of income?

Published source: Eligibility

4Do you have a good credit profile?

Published source: Eligibility

5Document checkDo you have this required document or proof: PAN Card?

Published source: Eligibility

6Document checkDo you have at least one of these required documents: Aadhaar Card with first 8 digits masked or another valid government address proof?

Published source: Eligibility

7Document checkDo you have this required document or proof: Recent passport-size photograph?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: Employment proof such as offer letter or salary slips, when requested?

Published source: Eligibility
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
SBI Card MILES PRIME
Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual and renewal fee₹2,999 + applicable taxesEffective 30 Jul 2026View source
The current and product page list ₹2,999 joining and renewal fees for Card MILES PRIME.
Source
Card Key Fact Statement
Page / section
Card-wise annual and renewal fee table
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Renewal-fee reversalRenewal fee reversed on annual spends of ₹10 lakhEffective 30 Jul 2026View source
The current publishes a ₹10 lakh annual-spend threshold for renewal-fee reversal.
Source
Card Key Fact Statement
Page / section
Card-wise renewal-fee waiver table
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum annual finance chargeUp to 45% per annumView source
The current publishes finance charges up to 3.75% per month, equivalent to 45% per annum, for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Finance charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum monthly finance chargeUp to 3.75% per monthView source
The current publishes a maximum monthly finance charge of 3.75%, with a minimum finance charge of ₹25.
Source
Card Most Important Terms and Conditions
Page / section
Finance charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup2.5%View source
The current publishes a 2.5% foreign-currency transaction fee for Card MILES PRIME.
Source
Card Most Important Terms and Conditions
Page / section
Foreign-currency transaction fee
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Travel Credits4 Travel Credits per ₹200 on eligible travel spends and 2 Travel Credits per ₹200 on other eligible spendsView source
Travel Credits can be converted to airline miles, hotel points, travel bookings or catalogue products under published conversion terms.
Source
Card MILES PRIME
Page / section
Reward Benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Airport-lounge access8 domestic visits per year and 4 international Priority Pass visits per year, each with a maximum of 2 per quarterView source
The page publishes eight domestic and four international visits annually, each with a two-per-quarter cap.
Source
Card MILES PRIME
Page / section
Domestic and International Travel Privileges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Welcome benefit3,000 Travel Credits after ₹60,000 spend within 60 days of card issuance and joining-fee paymentView source
The current page conditions the credits on both the spend threshold and joining-fee payment.
Source
Card MILES PRIME
Page / section
Welcome Benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Annual milestone10,000 bonus Travel Credits at ₹8 lakh annual spend; one additional domestic lounge visit per ₹1 lakh spend; fee reversal at ₹10 lakhView source
The page separately publishes bonus credits, incremental lounge visits and annual-fee reversal thresholds.
Source
Card MILES PRIME
Page / section
Milestone Benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Fuel-surcharge waiver1% on fuel transactions from ₹500 to ₹3,000; maximum ₹250 per statement cycleView source
The product terms publish the qualifying transaction range and ₹250 billing-statement maximum.
Source
Card MILES PRIME Terms and Conditions
Page / section
Fuel surcharge waiver
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit period20 to 50 days when the previous statement balance is paid in full; not available for cash advancesView source
The makes the period conditional on full previous-statement payment and excludes cash advances.
Source
Card Most Important Terms and Conditions
Page / section
Interest-free grace period
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
IssuerSBI Cards and Payment Services Limited (SBICPSL)View source
The controlling terms identify as issuer.
Source
Card Most Important Terms and Conditions
Page / section
Issuer and cardholder agreement
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Interest-free period and minimum amount dueInterest-free credit period 20-50 days only on retail purchases when the previous statement is paid in full. Minimum amount due: 100% GST + 100% EMI + 100% fees/charges + 100% finance charges + overlimit amount + 2% of remaining balanceEffective 30 Jul 2026View source
The formula and the condition for retaining the interest-free period are preserved in full.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Extended Credit
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Cash-advance termsMaximum ATM cash withdrawal ₹15,000/day within the cash limit; no MCC 6010 over-the-counter cash disbursement; no free-credit period; finance charge starts on withdrawal date; ATM fee 2.5% with minimum ₹500; minimum finance charge ₹25Effective 30 Jul 2026View source
Domestic, and international cash-advance fees use the published percentage and minimum.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Cash Advance
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Payment and late-payment chargesCash payment ₹250; dishonour 2% of payment, minimum ₹500; cheque payment ₹200. Late fee: ₹0 up to ₹100; ₹100 above ₹100-₹500; ₹500 above ₹500-₹1,000; ₹750 above ₹1,000-₹10,000; ₹950 above ₹10,000-₹25,000; ₹1,100 above ₹25,000-₹50,000; ₹1,300 above ₹50,000; additional late-payment charge ₹100; ₹500 late charge on revolving balance above ₹1,000Effective 30 Jul 2026View source
Every outstanding band, boundary and additional charge in the is included.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Other Charges & Fees
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Overlimit and replacement feesOverlimit fee 2.5% of overlimit amount, minimum ₹600, not reversed on reversal/cancellation/refund. Card replacement ₹100-₹250Effective 30 Jul 2026View source
The AURUM-only ₹1,500 replacement exception is excluded because these products are not AURUM.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Other Charges & Fees
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Redemption, utility, education, wallet, rent and lounge feesRewards redemption ₹99 for specified physical products, statement credit and physically sent vouchers, except AURUM. Utility payments: 1% when billing-cycle total exceeds ₹50,000, effective 1 December 2024. Third-party-app education payments: 1%, effective 1 November 2025; direct school/college website or POS payments excluded. Wallet load above ₹1,000: 1% per transaction from 1 November 2025. Rent payment: ₹199, not reversed on cancellation/refund. Priority Pass visits: up to USD 27 plus tax in India and after complimentary international visitsEffective 30 Jul 2026View source
All thresholds, effective dates, exclusions and non-reversal conditions are retained.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 8 — Transaction fees and lounge charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Grace period, surcharge and tax rulesThree-day payment-processing grace period only when no earlier-cycle amount is overdue. Railway surcharge follows IRCTC/Railways. Fuel surcharge 1% plus taxes by acquiring bank; eligible select cards may receive 1% waiver excluding GST under product terms. Taxes: Haryana CGST 9% + SGST 9%; other states IGST 18%Effective 30 Jul 2026View source
Product-specific fuel-waiver limits remain in their own facts; this records the -wide mechanism.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Pages 8-9 — Grace period, surcharge and taxes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Payment allocation and merchant-code conditionsPayments allocate to GST, EMI, fees/charges, finance charges, balance transfer, retail spends and cash advance in that order. Rent uses MCC 6513; utility MCC 4900; education MCC 8211/8220/8241/8244/8249/8299; wallet MCC 6540/6541. Networks may change MCCs without customer intimationEffective 30 Jul 2026View source
Every allocation category and merchant-code footnote is retained.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 9 — Tax, allocation and footnotes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Travel Credit eligibility and exclusionsPrimary and additional-card spends accrue to the primary account, but only post-enrolment eligible spend earns Travel Credits. Excluded: disputed transactions, Encash, ATM withdrawals, Flexipay, merchant EMI, cash advances, financial charges, education, utilities, insurance, quasi-cash, fuel, wallet loading and rent/property management. Travel-spend MCCs include the complete airline, travel-agent, transport, car-rental and hotel list published in the terms; network MCC changes may apply without customer notice.View source
Every excluded transaction class and the network-classification qualification are retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 33-35 — Rewards Program
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Travel Credit life, transfer and closure rulesTravel Credits expire 24 months after accrual and cannot be combined with another SBI Card's points. Only the primary cardholder may transfer to their own participating loyalty account; processing may take up to 21 days and transfers are final. On voluntary card closure, credits may be redeemed within 30 days; otherwise they lapse. Other cancellation forfeits them; blocking or suspension forfeits them unless SBI Card later reinstates them. A flip to another SBI Card converts Travel Credits to Reward Points, while replacement or renewal into another MILES variant transfers them.View source
All expiry, ownership, turnaround, finality, forfeiture and card-migration conditions are retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 34-36 — accrual, transfer and closure
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Travel Credit redemption values1 Travel Credit equals ₹1 for airline miles or hotel points, ₹0.50 for travel bookings and ₹0.25 for Shop & Smile catalogue; statement-debit adjustment uses ₹0.50 per Reward Point. Partner conversion ratios vary. Credits cannot be exchanged for cash or credit or used for cash advances; redemption requires a card that is not overdue, suspended, blocked, cancelled or terminated and may be performed only by the primary cardholder through the SBI Card website or app.View source
Every published conversion value, status condition, channel and no-cash restriction is retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 35-37 — Redemption
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Reward fulfilment and disputesPhysical reward delivery is targeted within 15 days on a best-effort basis; delivery disputes must be raised within 30 days of the redemption request. Fraud or abuse can forfeit credits and terminate the card. Customer information supplied for redemption may be used for administration or marketing; taxes and government/merchant charges are borne by the cardholder.View source
Delivery timing, dispute window, forfeiture, data-use and liability terms are retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 36-38 — Delivery and general terms
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Card insurance coveragePrimary-card cover includes lost-card liability ₹1 lakh; checked-baggage loss ₹72,000; baggage delay ₹7,500; lost travel documents ₹12,500; baggage damage ₹5,000; and up to six flight cancellations per year at ₹3,500 each. Air-accident, cancellation and travel claims require ticket purchase with the SBI Card. General exclusions include gross negligence, deliberate breach of law, bank-server hacking/data breach and fraud by a person known to the cardholder.View source
Every coverage line and general condition/exclusion is retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 39-42 — Insurance Cover
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Fraud-liability claim conditionsUnauthorised-use cover applies up to ₹1 lakh for three days before first report and seven days after. Block immediately via the 24-hour helpline; report to SBI Card within three days, intimate the insurer within 45 days and submit supporting documents within 60 days, with at least partial documents received in that period. Required evidence includes statement and reversal/shadow-credit evidence, signed claim form, complaint letter, affected-card photographs where applicable, FIR for loss in India, or SBI Card investigation report and full passport copy for loss abroad. Non-chip/PIN and specified password/second-level-authorisation failures are excluded as described in the policy.View source
Coverage window, every reporting deadline, evidence category and material exclusion are retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 39-41 — Fraud Liability
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Travel-insurance conditionsFlight cancellation covers specified death, serious injury or sudden sickness requiring at least three days' hospitalisation, specified close-family death, terrorism or natural calamity; planned surgery is excluded and reimbursement is capped at ₹3,500 after taxes/convenience fees as applicable. Checked-baggage loss requires an international flight and total loss; valuables and partial loss are excluded. Baggage delay must exceed 12 hours and requires airline non-delivery/PIR evidence plus invoices. Lost travel documents covers passport/visa replacement but excludes international inbound travel to India, terrorism and on-duty pilots, armed forces, police and air crew. Baggage damage pays repair or comparable-bag cost within the limit, with airline evidence and invoices; valuables and partial loss are excluded.View source
Every covered trigger, time threshold, evidence requirement, cap and listed exclusion is retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 41-42 — travel claims
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Priority Pass termsComplimentary standard membership is primary-card-only and valid 24 months. MILES PRIME includes four international visits; domestic additional visits are earned on every ₹1 lakh spend and capped at 12 per membership year. Other visits and guests cost USD 27 plus tax. Plastic Priority Pass is for international lounges; India access uses a generated QR voucher. Membership delivery target is 10 days; spend vouchers may take 120 days. Usage posts after 60-120 days at the exchange rate on debit date. Same-day valid travel is required; the pass is non-transferable, ceases with card cancellation/non-renewal, and a reissued or changed card requires a fresh pass.View source
Membership, visit, earning, fee, delivery, posting, use and reissue conditions are retained.
Source
Card MILES PRIME — Terms and Conditions
Page / section
Printed pages 42-44 — Priority Pass
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Offers and promotional benefitsWelcome benefit: 3,000 Travel Credits after ₹60,000 spend within 60 days of card issuance and joining-fee payment; Annual milestone: 10,000 bonus Travel Credits at ₹8 lakh annual spend; one additional domestic lounge visit per ₹1 lakh spend; fee reversal at ₹10 lakhView source
Combined from the product’s manually reviewed welcome, milestone and renewal-benefit facts; see each issuer source for eligibility and fulfilment terms.
Source
Card MILES PRIME
Page / section
Welcome Benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
EligibilityAge 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.View source
Age 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.
Source
Card MILES PRIME — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
NetworkMastercard or RuPay.View source
The issuer says the card can be used at outlets accepting MasterCard or RuPay.
Source
Card MILES PRIME — official product page
Page / section
— international use and network acceptance
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Cashback / reward formSBI Card MILES PRIME earns Travel Credits rather than statement cashback: 4 Travel Credits per ₹200 on eligible travel spends and 2 per ₹200 on other eligible spends. Its terms say Travel Credits cannot be exchanged for cash or credit; the reviewed page does not publish a statement-cashback rate.View source
The product page publishes Travel Credit earn rates and the reviewed MILES PRIME terms prohibit exchange for cash or credit.
Source
Card MILES PRIME — official product page
Page / section
Travel Credit earn rates and redemption
Accessed
28 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Enhanced Travel Credits
  • Eight domestic and four international lounge visits annually
  • Annual milestone credits
  • 2.5% foreign-currency markup

Eligibility

  • Issued and underwritten by Cards and Payment Services Limited; approval, credit limit and final pricing are subject to its assessment.
  • Travel Credit accrual and lounge access remain subject to category exclusions and programme terms.
  • The reviewed page does not publish a minimum-income threshold.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Card
  • Aadhaar Card with first 8 digits masked or another valid government address proof
  • Recent passport-size photograph
  • Employment proof such as offer letter or salary slips, when requested
  • Income evidence when requested: consecutive two-month salary slips, latest Form 16, latest acknowledged , last two months' bank statement or eligible other-bank credit-card statement with card-face copy

Related official documents

SBI Card Credit Card Application Formofficial-application-form · current · accessed 31 Aug 2026
↗
Important Notices for SBI Credit Cardholders — relevant 2026 amendmentsofficial-customer-notice · current · accessed 6 Oct 2026
↗
SBI Card Document Uploader — acceptable KYC and income documentsofficial-document-checklist · current · accessed 31 Aug 2026
↗
SBI Card online application — shared eligibility criteriaofficial-product-page · current · accessed 29 Aug 2026
↗
SBI Card Key Fact Statement — 30 July 2026official-key-fact-statement · current · accessed 13 Aug 2026
↗
SBI Card Key Fact Statement — 26 August 2026 editionofficial-key-fact-statement · current · accessed 7 Oct 2026
↗
SBI Card MILES PRIME — Product Page and Termsofficial-product-page · current · accessed 13 Aug 2026
↗
SBI Card MILES PRIME — Terms and Conditionsofficial-product-terms · current · accessed 13 Aug 2026
↗
SBI Card Most Important Terms and Conditionsofficial-terms-and-conditions · current · accessed 7 Oct 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Apollo Card · Annual fee₹499four hundred ninety-nine rupees

This value is copied from Card annual and renewal fees — 30 July 2026 . Check the table notes before relying on it.

Source: Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 20 rows · 3 columnsSBI Card annual and renewal fees — 30 July 2026 KFSCard-wise fee and spend-based waiver rows for the SBI cards in this catalogue.View tableHide table

Scroll sideways to view every column

SBI Card annual and renewal fees — 30 July 2026 KFS
CardAnnual feeRenewal fee / waiver
Apollo Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
Apollo Card SELECT₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card₹499₹499; waived on annual spends of ₹50,000 or more in preceding year
Card Octane₹1,499₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
CASHBACK Card₹999₹999; waived on annual spends of ₹2 lakh or more in preceding year
Flipkart Card₹500₹500; waived on annual spends of ₹3.5 lakh or more in preceding year
IndiGo Card₹1,499₹1,499
IndiGo Card ELITE₹4,999₹4,999
PhonePe Card PURPLE₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
PhonePe Card SELECT BLACK₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card ELITE₹4,999₹4,999; waived on annual spends of ₹10 lakh or more in preceding year
Card MILES₹1,499₹1,499; waived on annual spends of ₹6 lakh or more in preceding year
Card MILES ELITE₹4,999₹4,999; waived on annual spends of ₹15 lakh or more in preceding year
Card MILES PRIME₹2,999₹2,999; waived on annual spends of ₹10 lakh or more in preceding year
Card PRIME₹2,999₹2,999; waived on annual spends of ₹3 lakh or more in preceding year
Card PULSE₹1,499₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
SimplyCLICK Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
SimplySAVE Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
Tata Neu Infinity Credit Card₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Tata Neu Plus Credit Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
  • The states annual and renewal fees can vary by cardholder and variant; applicable taxes are additional.
Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 2 · 23 rows · 2 columnsSBI Card common charges and limits — 30 July 2026 KFSCommon charges apply according to the card variant and the KFS exclusions below.View tableHide table

Scroll sideways to view every column

SBI Card common charges and limits — 30 July 2026 KFS
Charge / featurePublished amount or condition
Interest-free period20–50 days on retail purchases when the previous month’s outstanding balance is paid in full
Finance charge3.75% per month / 45% p.a. for unsecured cards; 2.75% per month / 33% p.a. for Shaurya, defence and secured cards
Minimum finance charge₹25
Minimum amount due100% of + 100% of amount + 100% of fees/charges + 100% of finance charges + overlimit amount (if any) + 2% of remaining outstanding balance
Cash-advance limitCash-advance limit is part of overall credit limit; maximum withdrawal ₹15,000 per day on 6011, subject to cash-advance availability; 6010 over-the-counter cash is unavailable
Cash-advance fee2.5% of transaction amount, minimum ₹500, at and other domestic and international
Cash payment₹250
Payment dishonor2% of payment amount, minimum ₹500
Cheque payment₹200
Late paymentNil for ₹0–₹100; ₹100 above ₹100–₹500; ₹500 above ₹500–₹1,000; ₹750 above ₹1,000–₹10,000; ₹950 above ₹10,000–₹25,000; ₹1,100 above ₹25,000–₹50,000; ₹1,300 above ₹50,000
Additional late-payment charge₹100
Overlimit fee2.5% of overlimit amount, minimum ₹600; not reversed on transaction reversal/cancellation/refund
Card replacement₹100–₹250; ₹1,500 for Aurum
Foreign-currency transaction / 3.5% for most cards; 3% for Card MILES; 2.5% for Card MILES PRIME; 1.99% for AURUM, ELITE, PRIME Secured, Tata Neu Infinity, Card MILES ELITE and specified exclusions
Rewards redemption₹99 for physical products, statement credit and physically sent vouchers for all cards except AURUM, subject to the conditions
Utility payment1% when total utility payments exceed ₹50,000 in a billing cycle; 4900
Education payment1% on education payments through third-party apps; direct college/school website or payments do not attract this fee; 8211, 8220, 8241, 8244, 8249 and 8299
Wallet load1% on every wallet-load transaction exceeding ₹1,000; 6540 and 6541
Rent payment₹199 + applicable taxes for 6513; not reversed on reversal/cancellation/refund
Lounge usageUp to USD 27 per visit plus taxes for international lounge programmes after applicable complimentary visits; domestic/international programme rules vary by card
Payment grace period3 days from payment due date where payments are not overdue from previous billing cycle(s)
Fuel surcharge1% of transaction amount plus taxes; eligible select cards receive 1% waiver excluding ; waiver terms vary by product
Tax treatmentApplicable taxes are charged on fees, interest and charges; the describes 9% Central + 9% State tax for Haryana residence and 18% integrated tax otherwise
  • The includes dated footnotes and says network partners may change classifications; current product terms can add card-specific conditions.
Card Key Fact Statement — 30 July 2026 · Pages 7–9 — Extended Credit, Cash Advance, Other Charges & Fees and footnotes · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 3 · 10 rows · 2 columnsSBI Card MILES PRIME Travel Credits rulesTravel Credits earn, posting, expiry and redemption terms from the 28-page official terms.View tableHide table

Scroll sideways to view every column

SBI Card MILES PRIME Travel Credits rules
TopicPublished rule
Earn eligibilityEarn on spends except cash withdrawals, balance transfers, Flexipay, Encash, e-wallet uploads, cashback transactions, rentals, fuel and utility bills
PostingWelcome Travel Credits within 15 working days after the spend threshold; accelerated and regular Travel Credits within 10 days of the spend
FuelNo Travel Credits on fuel; 1% fuel-surcharge waiver on ₹500–₹3,000 fuel transactions, maximum ₹250 per billing statement per card account
ExpiryTravel Credits valid for 2 years from date of receipt
Air Miles / Hotel Points1 Travel Credit = ₹1 for Air Mile / Hotel Point; partner conversion ratios can vary
Travel booking1 Travel Credit = ₹0.50 for Travel Bookings
Shop & Smile catalogue1 Travel Credit = ₹0.25 for Shop & Smile Product Catalogue
Statement debit conversion1 Reward Point = ₹0.50 where points are adjusted as a statement debit
Minimum redemptionMinimum 2,000 Travel Credits and redemptions in multiples of 2,000; no maximum cap stated
Cash conversionTravel Credits cannot be exchanged for cash or credit or used to obtain cash advances
  • Travel Credits are redeemable by the primary cardholder; card must not be overdue, suspended, blocked, cancelled or terminated at redemption.
Card MILES PRIME — Terms and Conditions · Printed pages 33–38 — Travel Credits Programme · accessed 26 Aug 2026Open official source ↗
Table 4 · 8 rows · 2 columnsSBI Card MILES PRIME insurance cover limitsCover amounts and claim windows stated in the product terms; cover applies to the primary card and has policy exclusions.View tableHide table

Scroll sideways to view every column

SBI Card MILES PRIME insurance cover limits
CoverSum insured / condition
Lost-card liability / fraudulent usageUp to ₹1,00,000; report to Card within 3 days; insurer claim within 45 days; coverage protects up to 3 days before first report and 7 days after reporting
Loss of checked-in baggage₹72,000
Delay of checked-in baggage₹7,500; delay must exceed 12 hours
Loss of travel documents₹12,500
Baggage damage₹5,000
Flight cancellationMaximum 6 cancellations per year; ₹3,500 per cancellation subject to listed cause and ticket conditions
Air-ticket requirementFor air-accident death, cancellation and travel-related claims, ticket cost must have been paid from Credit Card
Primary-card conditionCover applies to primary card only; benefits cease when card account is suspended or cancelled
  • The terms list exclusions including gross negligence, deliberate law breach, -authorised transactions and specified online-fraud scenarios. The issued insurance policy controls claims.
Card MILES PRIME — Terms and Conditions · Printed pages 39–41 — Insurance Cover · accessed 26 Aug 2026Open official source ↗
Table 5 · 6 rows · 2 columnsSBI Card MILES PRIME Priority Pass and lounge termsMembership, visit and charge rules for the MILES PRIME card.View tableHide table

Scroll sideways to view every column

SBI Card MILES PRIME Priority Pass and lounge terms
TopicPublished rule
MembershipStandard Priority Pass membership is for the primary cardholder and is valid for 24 months from issue
Domestic lounge visitsSpend-based complimentary visits: 8 for Card MILES, 12 for MILES PRIME and 15 for MILES ELITE, based on every ₹1 lakh spend
International Priority Pass visitsMILES PRIME: 4 complimentary visits; MILES ELITE: 6 complimentary visits
Visit chargeUSD 27 plus applicable taxes per visit after complimentary visits
Additional visitsEvery ₹1 lakh spend can generate an additional voucher; annual milestone caps are 8, 12 and 15 for MILES, MILES PRIME and MILES ELITE
Voucher timingVoucher code is sent by /email and can be generated as a code; existing membership is deactivated on reissue, upgrade, downgrade, network change or renewal
Card MILES PRIME — Terms and Conditions · Printed pages 42–44 — Priority Pass and lounge terms · accessed 26 Aug 2026Open official source ↗

More from State Bank of India

Related products

Apollo SBI Card

A health and lifestyle rewards card with Apollo discounts, accelerated Apollo, dining and entertainment rewards, OneApollo Gold membership and a ₹499 annual fee.

View product

Apollo SBI Card SELECT

A premium health and lifestyle card with Apollo Circle benefits, accelerated Apollo rewards, fitness and health-check benefits, domestic lounge access and a ₹1,499 annual fee.

View product

BPCL SBI Card

A fuel rewards card with 4.25% stated value back on eligible purchases, fuel-surcharge waiver and a ₹499 fee reversed at ₹1 lakh annual spend from 1 May 2026.

View product

BPCL SBI Card OCTANE

A premium fuel rewards card with enhanced and Bharatgas rewards, everyday accelerated rewards, an annual milestone, domestic lounge access and a ₹1,499 annual fee.

View product