HSBC TravelOne vs SBI Card MILES
HSBC TravelOne by ₹16,400 a year at ₹75,000 a month
SBI Card MILES vs SBI Card MILES PRIME
SBI Card MILES PRIME vs SBI Card MILES: which should you pick?
SBI's two lower MILES tiers, the same Travel Credits a ₹1,500 fee apart. MILES pays 1 Travel Credit per ₹200 and 2 on travel; PRIME pays 2 per ₹200 and 4 on travel, plus 10,000 Travel Credits at ₹8,00,000 of spend. MILES wins under ₹1L a month; PRIME takes over from ₹1L. ₹1,499 reversed at ₹6,00,000 of spend against ₹2,999 reversed at ₹10,00,000. PRIME opens eight domestic lounge visits a year, no more than two a quarter, and four Priority Pass visits abroad; MILES four domestic a year plus up to eight earned on spend, and none free abroad.
Both earn SBI Travel Credits, so SBI Card MILES and SBI Card MILES PRIME share every transfer partner and differ only in how fast they earn and what they cost. Below ₹1 lakh a month SBI Card MILES is the better card; from ₹1 lakh up, SBI Card MILES PRIME takes over, and by ₹5 lakh a month it is ₹30,200 a year ahead. At ₹75,000 a month most of SBI Card MILES's edge is its milestone and renewal bonuses, worth ₹5,000 a year, where SBI Card MILES PRIME pays none at that spend, even though SBI Card MILES PRIME earns more on the spend itself. SBI Card MILES PRIME is the better pick if airport lounges matter more to you than the money: it gets you into 676 of the lounges we track to SBI Card MILES's 16.
Side by side
| Fact | SBI Card MILES | SBI Card MILES PRIME |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹1,499/yr✓ Better | ₹2,999/yr |
| Fee waiver | Spend ₹6,00,000 a year | Spend ₹10,00,000 a year |
| Reward rate on everyday spend | 0.5% | 1.0%✓ Better |
| Points | SBI Travel Credits | SBI Travel Credits |
| Our value per point | ₹1.00 | ₹1.00 |
| Transfer partners | 24 | 24 |
| Lounges it gets you into | 16 of 792 | 676 of 792✓ Better |
| Forex markup | 3% + GST | 2.5% + GST✓ Better |
| Welcome benefit | 1,500 Travel Credits on ₹30k spend in 60 days | 3,000 Travel Credits on ₹60k spend in 60 days |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. SBI Card MILES PRIME is ahead on 7 of the 9 rows we can call.
More facts 5 rows
| Fact | SBI Card MILES | SBI Card MILES PRIME |
|---|---|---|
| Our rank | #95 | #42✓ Better |
| Our verdict | Downgrade | Keep |
| Lounge visits in India | 4/yr complimentary (max 2 per quarter) at SBI's 16-lounge "Set A" list, plus up to 8 spend-earned visits (1 per ₹1L) — 12 at full stretch | 8/yr complimentary (max 2 per quarter) at SBI's 30-lounge "Set B" list, plus up to 12 spend-earned visits (1 per ₹1L) — 20 at full stretch |
| Lounge visits abroad | None (0 complimentary visits) — Priority Pass membership is free for 2 yrs but every visit is pay-per-use | 4/yr (Priority Pass, max 2/quarter) — complimentary OUTSIDE India only |
| Interest (APR) | Up to 3.75%/mo (45%/yr) | Up to 3.75%/mo (45%/yr) |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SBI Card MILES and SBI Card MILES PRIME are both open to a direct application.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | SBI Card MILES | SBI Card MILES PRIME |
|---|---|---|
| At ₹30,000 a month | ₹0 | ₹0 |
| At ₹75,000 a month | ₹8,800✓ Better | ₹4,600 |
| At ₹1.5 lakh a month | ₹12,600 | ₹25,100✓ Better |
| At ₹3 lakh a month | ₹20,100 | ₹40,200✓ Better |
| At ₹5 lakh a month | ₹30,200 | ₹60,400✓ Better |
| Pays for itself from | ₹30,000 a month | ₹30,000 a month |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | SBI Card MILES | SBI Card MILES PRIME | Ahead |
|---|---|---|---|
| ₹25,000 | −₹200✓ Better | −₹500 | SBI Card MILES by ₹300 |
| ₹50,000 | ₹6,000✓ Better | ₹2,000 | SBI Card MILES by ₹4,000 |
| ₹75,000 | ₹8,800✓ Better | ₹4,600 | SBI Card MILES by ₹4,200 |
| ₹1 lakh | ₹10,000 | ₹20,100✓ Better | SBI Card MILES PRIME by ₹10,100 |
| ₹1.25 lakh | ₹11,300 | ₹22,600✓ Better | SBI Card MILES PRIME by ₹11,300 |
| ₹1.5 lakh | ₹12,600 | ₹25,100✓ Better | SBI Card MILES PRIME by ₹12,500 |
| ₹1.75 lakh | ₹13,800 | ₹27,600✓ Better | SBI Card MILES PRIME by ₹13,800 |
| ₹2 lakh | ₹15,100 | ₹30,200✓ Better | SBI Card MILES PRIME by ₹15,100 |
| ₹2.25 lakh | ₹16,300 | ₹32,700✓ Better | SBI Card MILES PRIME by ₹16,400 |
| ₹2.5 lakh | ₹17,600 | ₹35,200✓ Better | SBI Card MILES PRIME by ₹17,600 |
| ₹2.75 lakh | ₹18,900 | ₹37,700✓ Better | SBI Card MILES PRIME by ₹18,800 |
| ₹3 lakh | ₹20,100 | ₹40,200✓ Better | SBI Card MILES PRIME by ₹20,100 |
| ₹3.25 lakh | ₹21,400 | ₹42,800✓ Better | SBI Card MILES PRIME by ₹21,400 |
| ₹3.5 lakh | ₹22,600 | ₹45,300✓ Better | SBI Card MILES PRIME by ₹22,700 |
| ₹3.75 lakh | ₹23,900 | ₹47,800✓ Better | SBI Card MILES PRIME by ₹23,900 |
| ₹4 lakh | ₹25,200 | ₹50,300✓ Better | SBI Card MILES PRIME by ₹25,100 |
| ₹4.25 lakh | ₹26,400 | ₹52,800✓ Better | SBI Card MILES PRIME by ₹26,400 |
| ₹4.5 lakh | ₹27,700 | ₹55,400✓ Better | SBI Card MILES PRIME by ₹27,700 |
| ₹4.75 lakh | ₹28,900 | ₹57,900✓ Better | SBI Card MILES PRIME by ₹29,000 |
| ₹5 lakh | ₹30,200 | ₹60,400✓ Better | SBI Card MILES PRIME by ₹30,200 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 24 shared
Both cards earn SBI Travel Credits, so they move points to the same 24 partners .
| Partner | SBI Card MILES | SBI Card MILES PRIME |
|---|---|---|
| The British Airways Club (Avios) | 1:1 | 1:1 |
| Air India Maharaja Club | 1:1 | 1:1 |
| ALL - Accor Live Limitless | 2:1 | 2:1 |
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
SBI Card MILES
- 0.5% base / 1% travel — the weakest earn in the MILES range
- 3% forex, the highest of the three MILES cards
- Travel Credits expire in 24 months; minimum transfer 2,000 TC
SBI Card MILES PRIME
- Travel Credits expire in 24 months — the shortest fuse on the index
- 1% base earn — everyday spend belongs on another card
- 2.5% forex undercuts ELITE's 1.99% by half a point
Common questions 5 answered
Which is better, SBI Card MILES or SBI Card MILES PRIME?
Both earn SBI Travel Credits, so SBI Card MILES and SBI Card MILES PRIME share every transfer partner and differ only in how fast they earn and what they cost. Below ₹1 lakh a month SBI Card MILES is the better card; from ₹1 lakh up, SBI Card MILES PRIME takes over, and by ₹5 lakh a month it is ₹30,200 a year ahead. At ₹75,000 a month most of SBI Card MILES's edge is its milestone and renewal bonuses, worth ₹5,000 a year, where SBI Card MILES PRIME pays none at that spend, even though SBI Card MILES PRIME earns more on the spend itself. SBI Card MILES PRIME is the better pick if airport lounges matter more to you than the money: it gets you into 676 of the lounges we track to SBI Card MILES's 16.
SBI Card MILES or SBI Card MILES PRIME: which is worth more at ₹3 lakh a month?
SBI Card MILES PRIME beats SBI Card MILES by ₹20,100 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, SBI Card MILES or SBI Card MILES PRIME?
SBI Card MILES: ₹1,499/yr against ₹2,999/yr. SBI Card MILES waives its fee if you spend ₹6,00,000 a year; SBI Card MILES PRIME waives its fee if you spend ₹10,00,000 a year.
Which gets you into more airport lounges, SBI Card MILES or SBI Card MILES PRIME?
SBI Card MILES PRIME: 676 of the 792 lounges we track, against 16 for SBI Card MILES. Visit limits and guest charges differ by card; each card's page lists them.
How current is this comparison?
Both cards were last checked against their banks' own documents on 26 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Related comparisons
Axis Horizon vs SBI Card MILES
Axis Horizon by ₹4,800 a year at ₹75,000 a month
SBI Card MILES vs IRCTC SBI Card Premier
SBI Card MILES by ₹2,000 a year at ₹75,000 a month
Sources
Both cards were last checked against their banks' own documents on 26 Oct 2026. Every fact above comes from these 12 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 12 sources
- Official Product page — 1,500 welcome TC on ₹30k/60 days, 2 TC per ₹200 travel and 1 per ₹200 otherwise, 5,000 bonus TC at ₹5L, fee reversal at ₹6L read
- Official SBI product record behind that page — isOnline "yes" (open to new applications), productType MSOM, cardLaunchDate 2024-04-23 read
- Official MILES rewards T&C (23-Sep-2026 edition) — the same document governs MILES, MILES PRIME and MILES ELITE read
- Official MITC — ₹1,499 joining/renewal waived at ₹6L preceding-year spend; foreign-currency fee 3% for SBI Card Miles read
- Official MILES-range e-kit T&C — one document for all three MILES cards read
- Official Airport Lounge Access — "SBI Card MILES" listed under "Set A: Eligible Credit Cards", with 16 domestic lounge rooms in 8 cities w.e.f. 10 Jan'26 read
- Community CardInsider — settles SBI's garbled page copy: 4 complimentary domestic visits per year (2 per quarter) plus 1 per ₹1L capped at 8 read
- Official SBI Card's bank-wide Most Important Terms & Conditions — the fees, charges and terms this card's MITC row is read from read
- Official Product page — 3,000 welcome TC on ₹60k/60 days, 4 TC per ₹200 travel and 2 per ₹200 otherwise, 8 complimentary domestic lounge visits (max 2/quarter) plus 1 per ₹1L capped read
- Official SBI product record behind that page — isOnline "yes" (open to new applications), productType MPOM, cardLaunchDate 2024-04-23 read
- Community CardInsider review (Mastercard + RuPay networks) read
- Official SBI Card's upgrade/downgrade FAQ — the only downgrade the issuer publishes: customer-initiated, inside 90 days of an upgrade, and no upgrade again for six months read