SBI Card MILES PRIME Review (2026)
The mid variant of SBI’s travel family: a higher Travel-Credit earn rate, lounge access and a sizeable annual-spend bonus, at a ₹2,999 fee.
Fees and charges at a glance
| Charge | Amount |
|---|---|
| Joining fee | ₹2,999 + GST |
| Annual (renewal) fee | ₹2,999 + GST |
| Forex markup | Lower than standard cards — verify exact rate on MITC |
Rewards, welcome and milestones
Miles Prime earns Travel Credits at roughly 2% value-back on travel spends (about double the base card), redeemable 1:1 to SBI’s 25+ airline and hotel partners.
| Trigger | Benefit |
|---|---|
| Spend ₹60,000 in first 60 days | 3,000 Travel Credits (welcome) |
| Spend ₹8,00,000 in a year | 10,000 bonus Travel Credits |
| Each ₹1,00,000 spend | +1 complimentary domestic lounge visit (capped at 12/yr) |
Lounge access
Eight complimentary domestic lounge visits a year (2 per quarter) plus four international visits a year, with additional domestic visits earned on every ₹1 lakh of spend (up to 12 a year).
Where this card falls short
Eligibility and documents
Indian resident, typically 21–60, with a stable income and a good credit score (around 750+). Documents: PAN, ID/address proof and income proof.
How it compares
Above the base SBI MILES (₹1,499, ~1%) and below SBI Miles Elite (₹4,999, ~3%, low forex, richer lounge and a ₹15 lakh fee-reversal). For most regular domestic+occasional-international travellers, Prime is the best balance of fee and reward in the family.
Bottom line 4 / 5
The pick of the SBI Miles range for regular travellers: strong earn rate, genuine lounge access and a milestone bonus that pays for the card if you spend ₹8 lakh a year. Lighter spenders should consider the base MILES; very high spenders, the Elite.
Frequently asked questions
Does Miles Prime have international lounge access?
Yes — four complimentary international lounge visits a year, alongside eight domestic visits.
How many transfer partners does it have?
The same 25+ airline and hotel partners shared across the SBI Miles family, at up to 1:1.