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An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
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SBI Card Miles

Review SBI Card Miles fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.

Calculate my annual valueOfficial issuer source ↗
Calculation coverage & fees

Complete card facts

Calculation coverage

Annual scenario available
Standard renewal fee₹1,499 + GSTWaiver after ₹600,000 eligible annual spend
Reward calculationAnnual earning availableUse the annual calculator for units, usable value and its conditions.
Benefits documented3 itemsBrand or partner conditions are mentioned; check the exact merchant and cap.
Payment-cost termsIssuer terms recordedInterest and late-fee inputs are card-specific.
Source checked2026-09-16This date records our catalogue check, not a guarantee that every offer remains live.
Redemption cautionRead the rulesPoints, miles, vouchers and cashback may have different rupee values, caps and expiry conditions.
Annual earning evidence & conditions

Annual scenario review · 2026-09-16

Annual earning model available

Recurring eligible purchases only; transaction rounding and documented caps apply. Restricted rewards require usable redemption details. Welcome, renewal gifts and milestones excluded.

The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.

See this card’s annual result
Redemption evidence & open checks

Research coverage

What has been checked for this card?

Redemption evidence partial

We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.

Valued redemption routes2Source-backed rupee values currently recorded.
Routes reviewed2Different redemption methods checked for this card.
Open issuer checks3These checks concern the listed redemption evidence; see the separate annual and purchase status before calculating.

Features & benefits

What this card can offer

These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.

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Annual earning model available

Uses eligible monthly purchases, transaction rounding and supported caps. Welcome, renewal gifts, birthday and milestone benefits are excluded.

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Your redemption quote needed

Earned points are shown without inventing a cash value.

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₹1,499 annual renewal fee

Before GST. Conditional renewal waiver at ₹6,00,000 eligible preceding-year spending.

Your money

See savings, fees and the cost of paying late

Annual value comparison

Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.

Compare this card with all 87

Guided valuation using your issuer quote

Enter the reward units and redemption value shown in your issuer app, statement or catalogue. This personal estimate is not used in Accurate Paisa rankings.

Personal annual net value₹0₹0 reward value − ₹0 annual fee

Use the exact redemption route you would actually use. Points, miles and vouchers are not automatically equal to cash.

Missed-payment cost estimate

Estimated extra payment₹0

SBI Card charges follow the current MITC; update the example fee for the applicable late-payment slab.

Card overview

What SBI Card Miles is designed to offer

SBI Card Miles appears in the Accurate Paisa directory under Travel. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.

Travel

Travel value may combine miles and privileges. Lounge access and insurance are kept separate unless a dependable cash value is available.

Transparent rules

How Accurate Paisa calculates its value

Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.

  • ✓Recurring estimate repeats this eligible monthly pattern for 12 cycles, with unused category caps. Each category is one transaction unless detailed amounts are supplied. Actual statement dates, MCCs, posting and reversals can change results.
  • ✓Only eligible domestic personal retail is modelled. Exclude EMI, rent, wallets, cash, fees, government payments, gaming and excluded merchants. Generic UPI is unvalued unless the applicable merchant-payment option is confirmed. Welcome gifts, birthday rewards, milestone vouchers, lounges and memberships are excluded.
  • ✓Renewal fee and redemption charges include 18% GST. Waiver assumes entered non-fuel/non-UPI retail qualifies under your account terms; confirmed BPCL fuel also counts for BPCL cards. The bank decides actual eligible spending. This is a renewal-year estimate, not a joining-year offer.
  • ✓Utility MCC 4900 spending above ₹50,000/cycle attracts 1% on the whole utility amount plus GST; telecom is separate. Fuel surcharge and waiver, merchant charges and foreign exchange are not included.
  • ✓These earned units are not cash. Enter a current usable award or voucher quote, including all charges, minimum units and quantity; no automatic rupee ranking is assigned. Welcome, renewal gifts and milestones are excluded.
  • ✓Complete ₹200 blocks: Miles 2 travel / 1 other credit; PRIME 4 / 2; ELITE 6 / 2. Base cap 5,000 and ELITE cap 15,000 credits/month; no additional PRIME cap is specified in the linked booklet. Utilities, telecom, insurance, fuel and excluded MCCs earn nothing. Travel-booking conversion is ₹0.50/credit in 2,000-credit blocks; airmile transfer is not ₹1 cash. Provide the actual usable booking or award quote and charges; points expire after 24 months.

Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.

Questions & answers

Frequently asked questions

What type of card is SBI Card Miles? +

It is listed by SBI Card under Travel. Approval and the application route remain subject to the issuer's current rules.

How is the annual value of SBI Card Miles calculated? +

Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.

How is net card value calculated? +

Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.

What happens if I miss a payment? +

Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.

Does the highest saving always mean the best card? +

No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.

Cardholder voice

Value, support and owner experience

No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.

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