Question 1

What is the annual fee on the SBI Card MILES PRIME and how do you get it waived?

Accepted Answer

The SBI Card MILES PRIME charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. SBI Card waives the renewal fee if you spend ₹10L in the previous year, which is about ₹83,333 a month. If your card spend sits below that, treat ₹2,999 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the SBI Card MILES PRIME?

Accepted Answer

You earn 4 points per ₹200 on travel. Everything else earns 2 points per ₹200. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹200, which is about 2% back. Fuel, EMI, Wallet Upload, Property Rental earn nothing at all.

Question 3

Does the SBI Card MILES PRIME give free airport lounge access?

Accepted Answer

The SBI Card MILES PRIME gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the SBI Card MILES PRIME recently and is it still worth it in 2026?

Accepted Answer

Air accident insurance discontinued (Jul 15, 2025, Miles Prime named); SBI 1% wallet/education fees (Nov 2025); Jan 2026 lounge tightening. The changes are dated Jul 15, 2025; Jan 2026. At ₹10L of yearly spend the card returns roughly ₹10,000 at its general rate of about 1%, against a ₹2,999 renewal fee. Keep it if you clear the ₹10L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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