Miles Prime Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Premium
4 Travel Credits per ₹200 spent on travel, 4 domestic and 4 international lounge visits/year
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Why Choose the Miles Prime Credit Card?
The Miles Prime Credit Card is a Premium-tier Visa credit card issued by SBI Card, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Moderate budget travelers. With a reward rate of 4 Travel Credits per ₹200 spent on travel; 1 Travel Credit per ₹200 spent on other categories. Credits convert 1:1 to partner miles. and an annual fee of ₹1,500, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with 1,500 Travel Credits upon spending ₹50,000 within 60 days, which adds immediate value in the first year.
Miles Prime Credit Card Fees & Charges
| Annual Fee | ₹1,500 |
|---|---|
| Joining Fee | ₹1,500 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 2.5% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Miles Prime Credit Card Rewards & Benefits
| Reward Rate | 4 Travel Credits per ₹200 spent on travel; 1 Travel Credit per ₹200 spent on other categories. Credits convert 1:1 to partner miles. |
|---|---|
| Welcome Bonus | 1,500 Travel Credits upon spending ₹50,000 within 60 days |
| Lounge Access | Priority Pass with 4 domestic and 4 international airport lounge visits per year |
| Best For | Moderate budget travelers |
Key Highlights of the Miles Prime Credit Card
- 4 Travel Credits per ₹200 spent on travel, 4 domestic and 4 international lounge visits/year
- 4 Travel Credits per ₹200 spent on travel; 1 Travel Credit per ₹200 spent on other categories. Credits convert 1:1 to partner miles.
- Priority Pass with 4 domestic and 4 international airport lounge visits per year
- Up to 10,000 bonus Travel Credits on reaching annual spends of ₹5 Lakhs
Miles Prime Credit Card Eligibility Criteria
- Age: 21-65 years years
- CIBIL score: 750+
- Minimum income: ₹6,00,000/year
Minimum Income Required: ₹6,00,000/year
Advantages of the Miles Prime Credit Card
- Very reasonable annual fee with low waiver milestone (₹3 Lakhs), good mix of domestic, international lounge access
Drawbacks of the Miles Prime Credit Card
- Standard reward rate is low on non-travel spends, forex markup is higher than Elite variant
Miles Prime Credit Card — Frequently Asked Questions
What is the annual fee of the Miles Prime Credit Card?
The Miles Prime Credit Card has an annual fee of ₹1,500 and a joining fee of ₹1,500. New cardholders receive 1,500 Travel Credits upon spending ₹50,000 within 60 days as a welcome benefit, which helps offset the joining cost.
Does the Miles Prime Credit Card offer airport lounge access?
Yes — the Miles Prime Credit Card offers Priority Pass with 4 domestic and 4 international airport lounge visits per year.
Who is eligible for the Miles Prime Credit Card?
The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Miles Prime Credit Card?
The Miles Prime Credit Card earns 4 Travel Credits per ₹200 spent on travel; 1 Travel Credit per ₹200 spent on other categories. Credits convert 1:1 to partner miles.. It is best suited for Moderate budget travelers.
Credit Cards Similar to the Miles Prime Credit Card
If you are considering the Miles Prime Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
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Expert Rating: 4.2/5