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SBI · Mastercard

SBI Card MILES PRIME

A card that rewards your journeys with comfort and endless privileges

Annual fee
₹2,999
Forex markup
2.5%
Lounges (Dom/Intl)
8 / 4
Welcome benefit
₹3,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹1 /year
0.50% effective · ₹2,999 fee
Annual reward earned₹3,000
Welcome benefit (year 1)One-time₹3,000
Annual fee−₹2,999
Joining fee (year 1 only)−₹2,999
Marginal — close to break-even.

You need around ₹49,983/month at this category mix to actually beat the fee. If your real spend is below that, look at a lifetime-free alternative.

vs Vetta Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
SBI Card MILES PRIME
Vetta Credit Card
Annual fee
₹2,999
₹2,999
Annual reward
₹3,000
₹3,000
Net /year (steady)
₹1
₹3,000
Forex markup
2.5%

Tools for SBI Card MILES PRIME holders

Frequently asked

Is the SBI Card MILES PRIME worth the ₹2,999 fee?

It depends on your spend. The SBI Card MILES PRIME earns 0.5% base reward and waives the annual fee at ₹10,00,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for SBI Card MILES PRIME?

SBI hasn't published a hard minimum income for SBI Card MILES PRIME. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on SBI Card MILES PRIME?

SBI Card MILES PRIME charges 2.5% forex markup on international transactions.

Verified 38 days agolikelySource: www.sbicard.com

Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.