SBI MILES PRIME Credit Card: Benefits & Apply

Summary

SBI MILES PRIME Credit Card is a travel-oriented credit card especially designed for frequent travelers. Be you travel often for business or leisure, the card has numerous benefits to ensure your travels are convenient and rewarding. First of all, the card enables you to earn Travel Credits on each transaction. You can redeem these credits to book flights, hotels, or even buy gifts from the SBI rewards catalog.

In addition to this, the card also provides a welcome bonus, which gives you extra value for your first-time spend. You also get the advantage of milestone rewards as you continue to use the card, i.e., you get more rewards after achieving some pre-defined spend. Further, the SBI MILES PRIME Credit Card also gives you complimentary access to domestic and international airport lounges so that your travel is as seamless as can be and as opulent as it must be.

Besides, the card is contactless payment enabled, is accepted globally, and offers chip and PIN protection, which makes your transaction not only faster but also secure. You can even add family members on your account and even convert your big purchases into easy EMIs with the Flexipay feature.

Introduction

With the rapidly growing world these days, even traveling has emerged as an integral part of our lives. To conduct business meetings, family travel, and weekend getaways, we are constantly in search of comfort, economy, and reward while traveling. To make your journey experience better and rewarding, SBI Card offers SBI MILES PRIME Credit Card, the best for frequent flyers. This card is designed to target those travelers who love experiencing new places with the finest benefits and travel perks.

To begin with, the SBI MILES PRIME Credit Card rewards you with wonderful benefits whenever you make a purchase, especially on travel bookings. You earn air miles or travel points that can be exchanged for future travel, hence making each journey more affordable. Moreover, the card offers complimentary entry to airport lounges in domestic and international airports. This means that you can relax and enjoy airport luxury while waiting for your flight.

In addition to travel rewards, the card also provides numerous welcome gifts and milestone rewards annually. For example, when you purchase the card, you can be rewarded with thousands of reward points as a welcome gift. The more you use the card and spend money, the more you get to redeem new rewards like gift vouchers, discounts, or bonus air miles. This means your spending earns you more money in the long term.

Another great feature of the SBI MILES PRIME Credit Card is how convenient it is to redeem your reward points. If you want to book air tickets, hotels, or use the points for shopping, SBI provides you with plenty of flexible options. , The card also provides a fuel surcharge waiver and worldwide acceptance, so you can use it without any hassle in India or abroad.

What is the SBI MILES PRIME Credit Card?

SBI MILES PRIME Credit Card is a premium credit card offered by SBI Card that targets those who love to travel. It helps you earn air miles, or travel rewards, for every usage of the card for spending. The miles are redeemable in booking flight tickets, hotels, or even receiving discounts on travel reservations.

Apart from that, this card enables you to make use of airport lounges, both domestic and international, so you can enjoy a serene experience before your flight. Other than that, you get welcome bonus points, fuel surcharge exemptions, and a lot of other travel-related rewards.

How is the design of the SBI MILES PRIME Credit Card?

The SBI MILES PRIME Credit Card’s appearance is contemporary and fashionable, giving it a premium look. The card is dark and sleek in color at first glance, with a travel-themed design that communicates its purpose as a travel rewards card. The appearance is clean, with the SBI Card and Visa/Mastercard logos well placed, giving it an elegant look.

Besides that, the card is equipped with a chip to provide an additional level of security, and it supports contactless payments as well. That means that you just tap the card on payment terminals for easy and secure transactions. Other than that, the design is also light and portable, just like any other regular credit card.

What are the benefits of the SBI MILES PRIME Credit Card?

The SBI MILES PRIME Credit Card boasts a variety of benefits tailored specifically for travelers. The following is a summary of its key features:

Travel Rewards & Redemption

Welcome Bonus: Receive 3,000 Travel Credits on spends of ₹60,000 within the first 60 days from card issuance.

Earning Travel Credits:

• Receive 4 Travel Credits for every ₹200 spent on travel purchases.

• Receive 2 Travel Credits for every ₹200 spent on all other purchases.

Redemption Options:

• Exchange Travel Credits for Air Miles or Hotel Points at a 1:1 rate.

• Make a travel booking using Travel Credits (1 Credit = ₹0.50) or purchase items from the Shop & Smile Catalogue (1 Credit = ₹0.25).

Airport Lounge Pass

• Domestic Lounges: Enjoy up to 8 complimentary domestic airport lounge visits per year (2 per quarter).

• International Lounges: Enjoy 4 complimentary visits to international airport lounges annually (up to 2 per quarter) and a complimentary Priority Pass membership for the first 2 years.

• Additional Lounge Visits: Enjoy 1 additional domestic lounge visit for each ₹1 lakh spent, up to 12 additional visits annually.

Milestone Benefits:

• Bonus Travel Credits: Enjoy 10,000 bonus Travel Credits on reaching annual spends of ₹8 lakh.

• Annual Fee Reversal: Get your annual fee reversed upon spending ₹10 lakh in a membership year.

Fuel Surcharge Waiver:

• Receive a 1% fuel surcharge waiver at all petrol pumps across India, with a maximum waiver of ₹250 per month.

Global Acceptance & Security:

• Worldwide Acceptance: Use your SBI MILES PRIME Credit Card at over 29 million outlets globally, including 3.25 lakh outlets in India.

• Contactless Payments: Use contactless payment technology for ease of payment and security.

• Security Boost: The card has chip and PIN protection to ensure safe transactions.

What are the fees for the SBI MILES PRIME Credit Card?

Here is a simple breakdown of the  SBI MILES PRIME Credit Card fees.

Joining Fee	Rs. 2,999 + GST
Annual Fee	Rs. 2,999 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an SBI MILES PRIME Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an SBI MILES PRIME Credit Card?

The documents that you will have to submit to get an Anaake MyTrip SBI Bank Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the SBI MILES PRIME Credit Card be used?

Here is the list of places where you can use it:

• With the SBI MILES PRIME Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  SBI MILES PRIME Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  SBI MILES PRIME Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the SBI MILES PRIME Credit Card?

The credit amount you can spend is what you are provided to you with an SBI MILES PRIME Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an SBI MILES PRIME Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  SBI MILES PRIME Credit Card.

• Just hover your cursor on the  SBI MILES PRIME Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  SBI MILES PRIME Credit Card.

• Request for the credit card application form of the  SBI MILES PRIME Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  SBI MILES PRIME Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an SBI MILES PRIME Credit Card in 2025 be right?

Yes, getting an SBI MILES PRIME Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The SBI MILES PRIME Credit Card is a stylish and extremely rewarding credit card, especially for regular flyers—be it for business or leisure. It combines style, convenience, and value in one strong package. From earning travel credits on all transactions to having membership of domestic as well as international airport lounges, this card has it all that a regular flyer would require.In addition to the welcome bonus, milestone rewards, and reward redemption facilities, the card’s utility and appeal are further enhanced.

Not only that, but contactless payment, worldwide acceptance, chip and PIN security, and add-on cards provide convenience and secure your life. The fuel surcharge exemption, EMI facility (Flexipay), and balance transfer facility make your finances easy to manage. Whether you’re making air travel reservations, hotel accommodations, or shopping at your favorite stores, this card rewards you at every step.

In addition, the fee is waived every year as long as you make a threshold amount in the year, thus making it more cost-effective over the long term. The lowly rewards plan and travel-oriented framework indicate that the card is set to be among the travel enthusiasts who enjoy travelling smart and receiving rewards for spending.

Frequently Asked Questions (FAQ’s)