SBI Card
KrisFlyer SBI Card Apex
Annual Fee
₹11,799₹9,999 + GSTBase Reward
5% miles
Foreign Markup
3.5%
Welcome Benefits
10,000 KrisFlyer Miles upon realization of joining fees and making the first transaction within the first 60 days of card issuance.
Product Highlights
- High reward rate on Singapore Airlines spends
- Complimentary lounge access
- Milestone benefits for frequent travelers
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Singapore Airlines
Bonus miles on Singapore Airlines bookings
Scoot
Bonus miles on Singapore Airlines bookings
Reward Calculator
Costs you ₹8,019/year
Break-even needs ~₹40,579/month at your reward mix.
₹13K
across all your buckets
6.3K
KrisFlyer Miles
₹3.8K
via standard · ₹0.6/pt
Effective rate
2.42%
Annual fee
₹11,799
Year 1 net
₹-8,019
Year 2+ net
₹-8,019
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Bonus KrisFlyer miles
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.99%Charged on every international (non-INR) transaction
Dynamic Currency Conversion (DCC) markup
1.99%Charged when a foreign merchant offers to bill you in INR — always decline DCC
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
10 KrisFlyer Miles/₹200 spent on Singapore Airlines Group (Singapore Airlines, Scoot, Pelago, Kris+, and the KrisShop website), 8 KrisFlyer Miles/₹200 on international spends, 6 KrisFlyer Miles/₹200 on all other eligible spends.
- Rewards are Earned as KrisFlyer Miles.
Benefits & Features
Domestic: 2 Visits Each Quarter (8 Annually) International: 8 Airport Visits Abroad Annually Priority Pass for the first two years of card membership.
Pros & Cons
Pros
- Generous number of domestic and international lounge visits
- Priority Pass membership for primary cardholders
- Attractive milestone benefits
Cons
- High annual fee of ₹9,999
- Limited rewards outside travel
- High forex charge of 3.5%
Additional Info
KrisFlyer Miles are valid for two years from the date of credit.
If you close your KrisFlyer SBI Card, redeem your KrisFlyer Miles within 30 days of closure.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks