SBI Card
KrisFlyer SBI Credit Card
Annual Fee
₹3,539₹2,999 + GSTBase Reward
2% miles
Foreign Markup
3.5%
Welcome Benefits
3,000 KrisFlyer Miles
Product Highlights
- Affordable Singapore Airlines co-branded credit card
- High reward rate on flight bookings
Category Rewards
travel
5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group
5X
Specialty
5 KrisFlyer Miles/₹200 Spent Abroad
5X
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 ₹1,019/year
Break-even needs ~₹18,257/month at your reward mix.
₹13K
across all your buckets
4.2K
KrisFlyer Miles
₹2.5K
via standard · ₹0.6/pt
Effective rate
1.62%
Annual fee
₹3,539
Year 1 net
₹-1,019
Year 2+ net
₹-1,019
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
2,000 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
3.5%Charged on every international (non-INR) transaction
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
5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group (Singapore Airlines, Scoot, Pelago, Kris+, and the KrisShop website) and 5 KrisFlyer Miles/₹200 Spent Abroad.
- Rewards are Earned as KrisFlyer Miles
Benefits & Features
Domestic: 1 Visits Each Quarter (4 Annually) International: 4 Airport Visits Abroad Complimentary Priority Pass with the KrisFlyer SBI Credit Card.
Pros & Cons
Pros
- Affordable Singapore Airlines co-branded credit card
- High reward rate on flight bookings
Cons
- Mainly suited for flights or other bookings with Singapore Airlines
- No renewal benefits offered
Additional Info
This is the only co-branded KrisFlyer Credit Card in India.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks