KrisFlyer SBI Card APEX
Updated 5 Jul 2026Source-linked
The KrisFlyer SBI Card APEX is a super premium co-branded credit card from SBI Card and Singapore Airlines KrisFlyer, with a joining fee of ₹9,999 + GST.
It earns up to 10 miles per ₹200 (≈5.0% value) on Singapore Airlines KrisFlyer spends in the form of krisflyer miles (miles).
Cardholders get 8 annual domestic + 8 annual international airport lounge access, plus 10,000 krisflyer miles as a welcome benefit.
KrisFlyer SBI Card APEX
- Joining Fee₹9,999
- Annual Fee₹9,999
- Best Suited ForTravel
- Reward TypeKrisFlyer Miles (miles)
Rewards Rate
- 10 miles per ₹200 on singapore airlines group
- 8 miles per ₹200 on international spends
- Base 3.00% on other spends
Welcome Benefits
- 10,000 KrisFlyer Miles
Data verified 5 Jul 2026 — see our methodology
SBIsuper premiumCo-brand · Singapore Airlines KrisFlyerRewards and Benefits
Rewards Rate
10 miles per ₹200 on singapore airlines group
8 miles per ₹200 on international spends
Base 3.00% on other spends.
Reward Redemption
Singapore Airlines KrisFlyer: Miles credited directly to KrisFlyer account on statement date.
Welcome Benefits
10,000 KrisFlyer Miles
Milestone Rewards
- ₹5,00,000 / annual: Additional 10,000 KrisFlyer Miles
- ₹7,50,000 / annual: Tier upgrade to KrisFlyer Elite Gold on spends on Singapore Airlines (bookings via SIA app/website)
- ₹10,00,000 / annual: Additional 3,000 bonus KrisFlyer Miles on cumulative spend
Domestic Lounge Access
8 visits each annual.
International Lounge Access
8 visits each annual.
Travel
Co-branded with Singapore Airlines KrisFlyer; 10 miles per ₹200 on singapore airlines group.
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- baggage loss: ₹1,00,000
- fraud liability: ₹10,00,000
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹500/mo
You spend ₹10,000 · earns 5.0% = ₹500 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 3.0% = ₹450/mo
- Groceries₹8,000 · 3.0% = ₹240/mo
- Dining & food delivery₹8,000 · 3.0% = ₹240/mo
- Fuel₹4,000 · 3.0% = ₹120/mo
- Utilities & bills₹5,000 · 3.0% = ₹150/mo
Est.net rewards for this spend, realistic
₹10,401/yr₹20,400 rewards − ₹9,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- Co-branded super premium card by SBI Card and Singapore Airlines KrisFlyer.
- Joining / annual fee of ₹9,999 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (8/annual) + international (8/annual).
- Insurance cover bundled: baggage loss, fraud liability.
Pros & Cons
Pros
- Strong base reward rate of 3.00%.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈5.0% on singapore airlines group.
Cons
- High annual fee of ₹9,999.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
Welcome benefit
- 10,000 KrisFlyer MilesPayment of annual fee and first transaction within 60 days of card issuanceWindow: 60 days from issuance.
Accelerated rewards
- 10 miles per ₹200 on singapore airlines group10 KrisFlyer Miles per Rs.200 spent on Singapore Airlines Group.
- 8 miles per ₹200 on international spends8 KrisFlyer Miles per Rs.200 on international spends.
Capping rules
- No per-cycle cap on accelerated KrisFlyer Miles (10/₹200 Singapore Airlines group, 8/₹200 international) per the Apex T&C booklet + product page (retrieved 2026-07-05); only fuel-surcharge/lounge caps exist, unrelated to miles. Confidence medium (absence).
Milestone benefits
- ₹5,00,000 / annual: Additional 10,000 KrisFlyer Miles
- ₹7,50,000 / annual: Tier upgrade to KrisFlyer Elite Gold on spends on Singapore Airlines (bookings via SIA app/website)
- ₹10,00,000 / annual: Additional 3,000 bonus KrisFlyer Miles on cumulative spend
Airport lounge access
Domestic
8 visit(s) / annual. Via issuer-direct.
2 complimentary domestic lounge visits every quarter.
International
8 visit(s) / annual. Via priority-pass.
Max 2 visits per quarter; Priority Pass membership worth USD 99.
Insurance benefits
- baggage loss: ₹1,00,000Baggage loss / delay cover.
- fraud liability: ₹10,00,000Fraud loss cover.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹25,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.