SBI Card MILES
1 Travel Credit per ₹200 eligible ordinary retail, valued at ₹0.50 only toward later SBI travel bookings.
Try your spend →How this estimate works
SBI Card MILES earns 1 Travel Credit per ₹200 on eligible other spend and 2 per ₹200 on travel transactions with specific qualifying merchant category codes. Generic travel does not establish that code, so the calculator only scores ordinary eligible retail at the 1-credit rate and leaves the travel chip unscored. Issuer rewards terms value each credit at ₹0.50 for travel bookings, ₹0.25 for its merchandise catalogue and a nominal ₹1 reference for airline/hotel transfers. Airline and hotel conversion ratios vary by partner, so ₹1 is not a cash rate or a promised partner redemption value. Travel bookings require using the issuer route; portal inventory, pricing and convenience fees are not modeled. Credits expire 24 months after accrual. Fuel, wallet loads, rent, education, utilities, insurance, quasi-cash and EMI are excluded. The ₹1,499+estimated GST annual fee is deducted; the renewal waiver at ₹6 lakh prior-year spends, welcome credits, milestone bonuses, lounge access and fuel surcharge waivers are omitted. Confirm the chosen reward and portal price before relying on the estimate.
Issuer terms
Issuer Travel Credits program and exclusions · Issuer fee and renewal waiver · Issuer redemption explanation
Terms checked 29 September 2026. Travel booking value is not statement cash, and airline/hotel transfer value depends on the partner.