If you’re someone who thrives on luxury, convenience, and endless travel rewards, the SBI Miles Credit Card is tailored just for you. It’s not just a credit card; it’s your gateway to a lifestyle filled with exciting perks and exclusive offers. Whether you want to explore new destinations, earn air miles, or unlock premium services, this card promises to take you on a journey of rewards, relaxation, and privileges.
With the SBI Miles Credit Card, you can elevate your spending experience, enjoy premium lounge access, and accumulate travel credits with every swipe. Let’s dive into how you can earn, redeem, and maximize your benefits from this royal-class credit card.
Table of Contents
- Introduction to SBI Miles Credit Card
- Why You Should Apply for the SBI Miles Credit Card
- SBI Miles Credit Card Benefits & Perks
- Eligibility Criteria for SBI Miles Credit Card
- Documents Required to Apply for SBI Miles Credit Card
- Fees and Charges for SBI Miles Credit Card
- Comparison Table: SBI Miles vs Other Top Indian Credit Cards
- FAQs about SBI Miles Credit Card
- Meta Title and Keywords
Why You Should Apply for the SBI Miles Credit Card
The SBI Miles Credit Card isn’t just another credit card; it’s an experience of luxury and convenience, designed for those who know how to live their life to the fullest.
Welcome Gift and Travel Credits
When you apply for the SBI Miles Credit Card, you are welcomed with an exclusive gift of 1500 Travel Credits, provided you spend Rs. 30,000 within the first 60 days of card issuance. Imagine earning instant travel credits just for using your card for everyday purchases.
Earn Travel Credits with Every Spend
The beauty of this card lies in how easy it is to accumulate Travel Credits.
- 2 Travel Credits for every Rs. 200 spent on travel
- 1 Travel Credit for every Rs. 200 spent on all other categories
These credits can be redeemed for a variety of rewards, including air miles, hotel points, and even exciting products from a catalogue, making your travel experiences richer and more rewarding.
Additional Benefits with SBI Miles Credit Card
- Domestic Lounge Access: For every Rs. 1 lakh spent, you earn additional access to domestic lounges, giving you a royal-class experience during your travels.
- Bonus Travel Credits: Spend Rs. 5 lakh annually and earn 5000 Bonus Travel Credits.
- Annual Fee Waiver: Get your annual fee waived if you spend Rs. 6 lakh in a year.
- Foreign Currency Mark-up: Enjoy a low 3.0% foreign currency mark-up on international transactions, making this card perfect for frequent travelers.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver on fuel transactions at all petrol pumps (maximum of Rs. 250 per month).
- Priority Pass: Enjoy the Complimentary Priority Pass for the first 2 years, allowing you to access over 1,200 VIP airport lounges globally.
SBI Miles Credit Card Benefits & Perks
Earn Travel Credits with Every Transaction
Each swipe of your SBI Miles Credit Card is an opportunity to earn travel credits.
- 2 Travel Credits per Rs. 200 spent on travel: Whether it’s booking flights or making hotel reservations, your travel-related expenses earn you double credits.
- 1 Travel Credit per Rs. 200 spent on everything else: Shop, dine, or pay for services – each purchase adds to your reward pool.
Unlock a Premium Travel Experience
The benefits of the SBI Miles Credit Card extend far beyond travel credits. From exclusive airport lounge access to premium service perks, your card brings you a host of benefits that make traveling smoother and more luxurious.
- Domestic Lounge Access: For every Rs. 1 lakh spent, gain entry to premium domestic lounges, where you can relax and recharge before your flight.
- Priority Pass: Enjoy airport lounge access worldwide for the first two years, adding another layer of luxury to your travel.
Flexible Redemption Options
The best part of the SBI Miles Credit Card is how you can redeem your accumulated travel credits. You can:
- Convert your credits into Air Miles for flights to domestic or international destinations.
- Use the credits for Hotel Points to stay at some of the most luxurious hotels across the globe.
- Make travel bookings or opt for exciting products from the catalogue.
Eligibility Criteria for SBI Miles Credit Card
To ensure you’re eligible for this best credit card, SBI has outlined the following criteria:
- Age: You must be between 21 to 65 years of age.
- Employment Status: Whether you’re salaried or self-employed, you can apply.
- Income Requirements:
- Salaried: Rs. 60,000/month
- Self-Employed: Rs. 7,20,000/year
- Credit Score: A minimum credit score of 750+ with no delayed payments in the past 12 months is required.
- New to Credit: Not eligible for individuals new to credit.
Documents Required to Apply for SBI Miles Credit Card
When applying for the SBI Miles Credit Card, ensure you have the following documents ready:
- ID Proof: PAN Card or Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: A recent passport-sized photo
Fees and Charges for SBI Miles Credit Card
The fees for the SBI Miles Credit Card are straightforward:
- Annual Fee (one-time): Rs. 1499 + GST
- Renewal Fee (per annum): Rs. 1499 + GST
However, if your annual spends cross Rs. 6,00,000 in the membership year, your annual fee will be waived off, making this card even more rewarding.
Comparison Table: SBI Miles Credit Card vs Other Top Indian Credit Cards (2024)
| Feature | SBI Miles Credit Card | HDFC Regalia Credit Card | ICICI Platinum Credit Card |
|---|---|---|---|
| Welcome Gift | 1500 Travel Credits | 5000 Reward Points | 1000 Reward Points |
| Travel Credits Earn Rate | 2 for Rs. 200 on travel | 3 for Rs. 150 on travel | 1 for Rs. 100 on travel |
| Airport Lounge Access | Domestic, 1L spend | Domestic & International | International Only |
| Bonus Travel Credits | 5000 on Rs. 5 Lakh spends | None | None |
| Annual Fee Waiver | Rs. 6L spend | Rs. 3L spend | Rs. 2.5L spend |
| Foreign Currency Mark-up | 3.0% | 2.5% | 3.5% |
| Fuel Surcharge Waiver | 1% (Max Rs. 250/month) | 1% (Max Rs. 250/month) | 1% (Max Rs. 200/month) |
FAQs about SBI Miles Credit Card
Q1. How do I earn travel credits with SBI Miles Credit Card?
A1. You earn 2 Travel Credits for every Rs. 200 spent on travel and 1 Travel Credit for every Rs. 200 on other purchases.
Q2. How can I redeem my travel credits?
A2. You can redeem your travel credits for Air Miles, Hotel Points, or Exciting Products from the catalogue.
Q3. What is the annual fee for the SBI Miles Credit Card?
A3. The annual fee is Rs. 1499 + GST. However, it’s waived off if your annual spends are Rs. 6,00,000 or more.
Q4. How can I get Priority Pass with the SBI Miles Credit Card?
A4. The Priority Pass is complimentary for the first two years of card membership.
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