Cards · SBI Card

SBI Card MILES PRIME: rewards, caps and exclusions

The SBI Card MILES PRIME pays about 1% on Transport, and 0.5% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

Mastercard, RuPay₹2,999 a yearPaid in miles

What it earns

≈1%Transportno cap stated

≈0.5%Everything elseno cap stated

≈ marks a rate paid in miles, valued at ₹0.5 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Rent
Education fees
Utility bills
Telecom bills
Insurance premiums
Cash withdrawals and fees
Government payments
EMI conversions

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payment Fee
1% on Fee on Education Payment Transactions (third-party apps only)

Milestones

In SBI Card's own words:

"10,000 Bonus Travel Credits on annual spends of Rs. 8 lakhs" → 10,000 Travel Credits

Fees

Annual fee: ₹2,999, plus 18% GST
Joining fee: ₹2,999
Annual fee waived on ₹10,00,000 of spend in a card year

Welcome benefit: 3,000 Travel Credits on paying the joining fee and spending ₹60,000 within 60 days.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works