Card Details
KrisFlyer SBI Card Apex
Monzy Score
7/ 10
Good for lounge-hungry travellers.
The ~₹9,999 fee needs heavy spend to justify; ~2.5% back on top spends; high 3.5% forex markup.
Card Issuer
SBI Card
Joining Fee
₹9,999
Annual Fee
₹9,999
Reward Type
Miles
Card Access
Standard
Offers from SBI Card
See allNeelkanth: 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
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026
Earn Points
10pts
/₹200 on Singapore Airlines Group
8pts
/₹200 on International Spends
6 miles/₹200
on other eligible spends
Benefits
10 KrisFlyer Miles/₹200 on Singapore Airlines…
- High KrisFlyer earn rate with milestone boosters
- 10 miles/₹200 on Singapore Airlines Group
- Milestones add up to 13,000 bonus miles plus KrisFlyer Elite Gold on ₹7.5 lakh spend
- No miles on fuel, rental, utility, government or wallet payments
- Complimentary lounge access in India and abroad
- 8 international lounge visits a year with Priority Pass
- 2 domestic visits per quarter across India
- Charges apply once complimentary visits are exhausted
1% fuel surcharge waiver up to ₹3,000
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
Singapore Airlines, Scoot, Pelago, Kris+ & KrisShop
10/200
₹750
Overseas / international spends
8/200
₹0
All other spends
6/200; earn revision 1-Aug-2026 re-verify
₹0
Total Annual Return
₹9,000
2.5% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“KrisFlyer SBI Credit Card Review”
by r/CreditCardsIndia, Jul 2025
“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”
by r/CreditCardsIndia, Nov 2025
“Which approach should I take for funding Singapore”
by r/indianawardtravel, Feb 2026
“Another Set of Not So Useless Credit Cards”
by r/CreditCardsIndia, Jul 2025
“Which card to get from SBI - Tata New or Etihad or Krisflyer”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The KrisFlyer SBI Card Apex charges ₹9,999 plus GST as a joining fee and the same ₹9,999 again at renewal. There is no spend based waiver on this card, so the ₹9,999 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
Reward points are not applicable on Fuel, Wallet, Rent, Utilities, Insurance & Railways spends.
The 20 KrisFlyer miles per Rs. 200 is only applicable for spends on singaporeair.com or the SingaporeAir mobile app.
