Research coverage — 15/16 categories
SBI · Mastercard / Visa / RuPay
MILES SBI Card
Best forTravel & Groceries
Earns1 TC/₹100 on travel
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for MILES SBI Card
Fee waiver
₹6,00,000
annual spend
Network
Mastercard / Visa / RuPay
SBI
MILES SBI Card
Mastercard / Visa / RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on travel and groceries, where it earns 1 TC/₹100
- Annual fee is waived at ₹6,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Travel1 TC/₹100
Groceries0.5 TC/₹100
Dining0.5 TC/₹100
Food Delivery0.5 TC/₹100
Shopping0.5 TC/₹100
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Rent/property management (MCC 6513) excluded from Travel Credits accrual (Section 11.3b)Details
|
| Education | Not eligible | — | School & Educational Services (MCC 8211, 8241, 8244, 8249, 8299) excluded from Travel Credits accrual (Section 11.3b)Details
|
| Insurance | Not eligible | — | Insurance transactions (MCC 5960, 6300, 6380) excluded from Travel Credits accrual (Section 11.3b)Details
|
| Utilities | Not eligible | — | Utility transactions (MCC 4900, 4814, 4899, 9399) excluded from Travel Credits accrual (Section 11.3b)Details
|
| Fuel | Not eligible | — | Purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) excluded from Travel Credits accrualDetails
|
| Groceries | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on grocery retail spendsDetails
|
| Dining | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on dining retail spendsDetails
|
| Food Delivery | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on food delivery retail spendsDetails
|
| Shopping | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on other eligible retail shopping spendsDetails
|
| Travel | 1 TC/₹100 | 5,000 TC per month | 2 Travel Credits / ₹200 (1 TC/₹100) on travel MCCsDetails
|
| Government | Not eligible | — | Quasi-cash and government transactions (MCC 6012, 6051, 9222, 9311, 9402) excluded from Travel Credits accrual (Section 11.3b)Details
|
| Wallet | No reward | — | —Details
|
| Railways | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on railway ticket bookings (MCC 4111 commuter passenger qualifies for 2 TC/₹200Details
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 0.5 TC/₹100 | 5,000 TC per month | 1 Travel Credit / ₹200 (0.5 TC/₹100) on jewellery retail spendsDetails
|
| Telecom | Not eligible | — | Telecom (MCC 4814) falls under utility exclusion (Section 11.3b) and is excluded from Travel Credits accrualDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,499 + taxes
Renewal Fee
₹1,499 + taxes
charged every year for MILES SBI Card
Fee waiver
₹6,00,000
annual spend
Reward caps
- All retail spends (Travel & Other Spends combined) — 5,000 TC / month (shared cap — All retail spends (Travel & Other Spends combined))
Spending thresholds
- Spend ₹6,00,000 per card year → annual fee waived
- Spend ₹5,00,000 per year → 5,000 bonus Travel Credits on annual spends of ₹5 lakh
- Spend ₹1,00,000 per card year → 1 additional domestic airport lounge visit for every ₹1 lakh spent, over and above the complimentary visits
Key benefits
Rewards
1 TC/₹100 on travel
Lounge access
1 additional domestic lounge visit for every ₹1 lakh spent, over and above the complimentary visits
Fuel surcharge waiver
1% fuel surcharge waiver (₹500-₹3,000, max ₹250/stmt)
Foreign-currency markup
3% foreign-currency markup — Charged on every foreign-currency transaction (MILES SBI Card)
Milestone benefit
5,000 bonus Travel Credits on annual spends of ₹5 lakh
Milestone benefit
1 additional domestic airport lounge visit for every ₹1 lakh spent, over and above the complimentary visits
Important to know
Limits and exclusions that change what you earn.
- All retail spends (Travel & Other Spends combined) rewards are capped at 5,000 TC / month (shared cap — All retail spends (Travel & Other Spends combined))
- No reward on: Wallet
- Not eligible: Rent, Education, Insurance, Utilities +3 more
- Spend ₹6,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in travel, groceries, dining
- You can reach the ₹6,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 8 no-reward categories
Caps
- All retail spends (Travel & Other Spends combined) — 5,000 TC / month (shared cap — All retail spends (Travel & Other Spends combined))
Categories with no reward or not eligible
- Rent — Not eligible. Rent/property management (MCC 6513) excluded from Travel Credits accrual (Section 11.3b).
- Education — Not eligible. School & Educational Services (MCC 8211, 8241, 8244, 8249, 8299) excluded from Travel Credits accrual (Section 11.3b).
- Insurance — Not eligible. Insurance transactions (MCC 5960, 6300, 6380) excluded from Travel Credits accrual (Section 11.3b).
- Utilities — Not eligible. Utility transactions (MCC 4900, 4814, 4899, 9399) excluded from Travel Credits accrual (Section 11.3b).
- Fuel — Not eligible. Purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) excluded from Travel Credits accrual.
- Government — Not eligible. Quasi-cash and government transactions (MCC 6012, 6051, 9222, 9311, 9402) excluded from Travel Credits accrual (Section 11.3b).
- Wallet — No reward.
- Telecom — Not eligible. Telecom (MCC 4814) falls under utility exclusion (Section 11.3b) and is excluded from Travel Credits accrual.
Milestones · 3 recorded
- Spend ₹6,00,000 per card year → benefit worth ₹1,499 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.6 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
- Spend ₹5,00,000 per year → benefit worth ₹5,000 — 5,000 bonus Travel Credits on annual spends of ₹5 lakh. Estimate only, not a cash value: Travel Credits carry no cash value of their own (SBI Rewards Program T&C, section 2(e)). The estimate uses ₹1.00 per Travel Credit, which the T&C supports only for conversion to an Air Mile / Hotel Point (section 2(s)) — the same route the engine already uses for earned Travel Credits; a Travel Credit is worth ₹0.50 for Travel Bookings and ₹0.25 against the Shop & Smile catalogue, so this is an upper-end estimate that depends on how the credits are used. Source: official product-page information (SBI-MILES-PAGE-2026).
- Spend ₹1,00,000 per card year — 1 additional domestic airport lounge visit for every ₹1 lakh spent, over and above the complimentary visits. Recorded once (the product information repeats it). Not valued in rupees: DhanChakshu has no lounge-visit valuation. Source: official product-page information (SBI-MILES-PAGE-2026).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Mastercard / Visa / RuPay
- Airport lounge: 1 additional domestic lounge visit for every ₹1 lakh spent, over and above the complimentary visits
- Fuel surcharge waiver: 1% fuel surcharge waiver (₹500-₹3,000, max ₹250/stmt)
- Foreign-currency markup: 3% foreign-currency markup — Charged on every foreign-currency transaction (MILES SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹1,499 plus applicable taxes, charged every year for MILES SBI Card
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 1 area
1 area needs further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
SBI Card MILES - Cardholder Agreement & Travel Credits Program T&C · SBI-MILES-TNC-2026 · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08
SBI-MILES-PAGE-2026 · SBI-MILES-PAGE-2026