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SBI Card

SBI Card Miles & More World Credit Card

MastercardMidMiles
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Annual Fee

₹4,999

Reward Type

Miles

Forex

3.5%

Lounge

2 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹4,999
Annual Fee₹4,999
Min Monthly Income₹60,000

Rewards

Reward TypeMiles
Base Rate1.67%
Point Value₹1.5/point

Category Multipliers

airlines5%

Redemption Values

airlines₹1.5/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge2 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamFolks

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⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 1.67%, you need to spend ₹2,99,342 annually.

🎯 Pro Tips

  • ▸Co-branded with Lufthansa Miles & More — earn miles directly credited to your M&M account.
  • ▸1 Mile per ₹60 on regular spends, 3 Miles per ₹60 on Lufthansa Group flights.
  • ▸Miles & More is a star alliance program — usable on 40 airlines including Lufthansa, Swiss, Austrian.
  • ▸Best card for frequent Europe travellers (Frankfurt, Munich, Vienna, Brussels hubs).
  • ▸Welcome bonus 1,000 miles on first spend.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹37,049

Effective Rate

3.1%

Ranked #7 of 173 cards🏆 Top 10

₹4,999 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Lufthansa Group FlightsBEST₹1.5/Mile

🏷️ Best For

travelmilesco-brandedinternational