What is the reward rate on the KrisFlyer SBI Card?

You earn 5 points per ₹200 on Singapore Airlines Group. Everything else earns 2 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 250 points, roughly ₹62, which is about 0.62% back. Fuel, Wallet Upload, Property Rental, Utility Bills earn nothing at all.

Does the KrisFlyer SBI Card give free airport lounge access?

The KrisFlyer SBI Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the KrisFlyer SBI Card recently and is it still worth it in 2026?

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹3,000 at its general rate of about 1%, against a ₹2,999 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

←

Card Details

6468 7382 2020 9332

KrisFlyer SBI Card

SBIAMERICAN EXPRESS/MASTERCARD

Monzy Score

5.5/ 10

Decent for lounge-hungry travellers.

Thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Miles

Card Access

Standard

Offers from SBI Card

See all

Apna-Mart: Up to 5% Extra Cashback
Exclusive Discounts · till 8 Sep 2026
Value Plus: Up to ₹ 10000 Instant Discount
Exclusive Discounts · till 9 Sep 2026
Mundada: Up to Rs 6,500 Instant Discount at Mundada Corporation.
Exclusive Discounts · till 9 Sep 2026
Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026

Earn Points

Krisflyer Miles per ₹200 on Partners

Krisflyer Miler per ₹200 on International Spends

Krisflyer Miles per ₹200 on All Other Eligible Spends

Benefits

Flights

5 KrisFlyer Miles/₹200 on Singapore Airlines &…

Accelerated KrisFlyer earn on airline and international spends
5 KrisFlyer Miles/₹200 on international spends
2 KrisFlyer Miles/₹200 on other eligible spends
Miles not awarded on fuel, rental, utility, government and wallet transactions

Lounges

4 International Lounge Visits/Year

Airport lounge support for frequent flyers
1 complimentary domestic airport lounge visit each quarter
Priority Pass membership issued for international lounges
Source FAQ states Priority Pass lounge visits are payable despite membership

Protection

₹2,999 joining and annual fee

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Singapore Airlines, Scoot, Pelago, Kris+ & KrisShop

5/200

₹375

Overseas / international spends

5/200

₹0

All other spends

2/200; revision 1-Aug-2026 re-verify

₹0

Total Annual Return

₹4,500

1.25% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

KrisFlyer SBINEUTRAL

“KrisFlyer SBI Credit Card Review”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBIPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

KrisFlyer SBINEUTRAL

“Which approach should I take for funding Singapore”

by r/indianawardtravel, Feb 2026

KrisFlyer SBINEUTRAL

“Which card to get from SBI - Tata New or Etihad or Krisflyer”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBINEUTRAL

“Krisflyer SBI Card”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

The KrisFlyer SBI Card charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. There is no spend based waiver on this card, so the ₹2,999 is a fixed yearly cost you pay regardless of how much you spend.

Things to Keep in Mind

Welcome Gift of 3,000 KrisFlyer miles requires payment of annual fees and first transaction within 60 days of card issuance

Additional 3,000 KrisFlyer miles as Milestone Rewards require annual spends of Rs. 3 Lacs

No KrisFlyer Miles on fuel, rental, utility, government and wallet transactions

←

Card Details

6468 7382 2020 9332

KrisFlyer SBI Card

SBIAMERICAN EXPRESS/MASTERCARD

Monzy Score

5.5/ 10

Decent for lounge-hungry travellers.

Thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Miles

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Krisflyer Miles per ₹200 on Partners

Krisflyer Miler per ₹200 on International Spends

Krisflyer Miles per ₹200 on All Other Eligible Spends

Benefits

Flights

5 KrisFlyer Miles/₹200 on Singapore Airlines &…

Accelerated KrisFlyer earn on airline and international spends
5 KrisFlyer Miles/₹200 on international spends
2 KrisFlyer Miles/₹200 on other eligible spends
Miles not awarded on fuel, rental, utility, government and wallet transactions

Lounges

4 International Lounge Visits/Year

Airport lounge support for frequent flyers
1 complimentary domestic airport lounge visit each quarter
Priority Pass membership issued for international lounges
Source FAQ states Priority Pass lounge visits are payable despite membership

Protection

₹2,999 joining and annual fee

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Singapore Airlines, Scoot, Pelago, Kris+ & KrisShop

5/200

₹375

Overseas / international spends

5/200

₹0

All other spends

2/200; revision 1-Aug-2026 re-verify

₹0

Total Annual Return

₹4,500

1.25% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

KrisFlyer SBINEUTRAL

“KrisFlyer SBI Credit Card Review”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBIPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

KrisFlyer SBINEUTRAL

“Which approach should I take for funding Singapore”

by r/indianawardtravel, Feb 2026

KrisFlyer SBINEUTRAL

“Which card to get from SBI - Tata New or Etihad or Krisflyer”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBINEUTRAL

“Krisflyer SBI Card”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

Welcome Gift of 3,000 KrisFlyer miles requires payment of annual fees and first transaction within 60 days of card issuance

Additional 3,000 KrisFlyer miles as Milestone Rewards require annual spends of Rs. 3 Lacs

No KrisFlyer Miles on fuel, rental, utility, government and wallet transactions

←

Card Details

6468 7382 2020 9332

KrisFlyer SBI Card

SBIAMERICAN EXPRESS/MASTERCARD

Monzy Score

5.5/ 10

Decent for lounge-hungry travellers.

Thin rewards outside its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Miles

Card Access

Standard

Offers from SBI Card

See all

Earn Points

Krisflyer Miles per ₹200 on Partners

Krisflyer Miler per ₹200 on International Spends

Krisflyer Miles per ₹200 on All Other Eligible Spends

Benefits

Flights

5 KrisFlyer Miles/₹200 on Singapore Airlines &…

Accelerated KrisFlyer earn on airline and international spends
5 KrisFlyer Miles/₹200 on international spends
2 KrisFlyer Miles/₹200 on other eligible spends
Miles not awarded on fuel, rental, utility, government and wallet transactions

Lounges

4 International Lounge Visits/Year

Airport lounge support for frequent flyers
1 complimentary domestic airport lounge visit each quarter
Priority Pass membership issued for international lounges
Source FAQ states Priority Pass lounge visits are payable despite membership

Protection

₹2,999 joining and annual fee

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Singapore Airlines, Scoot, Pelago, Kris+ & KrisShop

5/200

₹375

Overseas / international spends

5/200

₹0

All other spends

2/200; revision 1-Aug-2026 re-verify

₹0

Total Annual Return

₹4,500

1.25% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

KrisFlyer SBINEUTRAL

“KrisFlyer SBI Credit Card Review”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBIPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

KrisFlyer SBINEUTRAL

“Which approach should I take for funding Singapore”

by r/indianawardtravel, Feb 2026

KrisFlyer SBINEUTRAL

“Which card to get from SBI - Tata New or Etihad or Krisflyer”

by r/CreditCardsIndia, Jul 2025

KrisFlyer SBINEUTRAL

“Krisflyer SBI Card”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

Welcome Gift of 3,000 KrisFlyer miles requires payment of annual fees and first transaction within 60 days of card issuance

Additional 3,000 KrisFlyer miles as Milestone Rewards require annual spends of Rs. 3 Lacs

No KrisFlyer Miles on fuel, rental, utility, government and wallet transactions