HDFC InterMiles Signature vs SBI Card MILES PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC InterMiles Signature Credit Card wins 7 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.9/10.
| Feature | HDFC InterMiles Signature | SBI Card MILES PRIME |
|---|---|---|
| CardTrail Score | 8.4/10 | 7.9/10 |
| Annual Fee | ₹2,500 | ₹2,999 |
| Base Reward Rate | 1% | 0.75% |
| Max Reward Rate | 6% | 3% |
| Forex Markup | 2% | 2.5% |
| Domestic Lounges | 16 | 4 |
| International Lounges | 5 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹500/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 3%
- Airport lounge access matters — 16 domestic visits
When to Choose SBI Card MILES PRIME
- You can meet the fee waiver condition: Spend ₹10L/year
- Your primary spend is: travel, miles
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC InterMiles Signature costs ₹2,360 in forex fees vs SBI Card MILES PRIME at ₹2,950. You save ₹590/year with HDFC InterMiles Signature.
Annual Fee Value Analysis
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.
To break even on SBI Card MILES PRIME's ₹2,999 fee at 0.75% rewards, spend ₹33,322/month.