Question 1

What is the annual fee on the KrisFlyer SBI Card Apex and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the KrisFlyer SBI Card Apex?

Accepted Answer

You earn 10 points per ₹200 on Singapore Airlines Group. Everything else earns 6 points per ₹200. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 500 points, roughly ₹125, which is about 1.2% back. Fuel, Wallet, Rent, Utilities earn nothing at all.

Question 3

Does the KrisFlyer SBI Card Apex give free airport lounge access?

Accepted Answer

The KrisFlyer SBI Card Apex gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 8 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.

Question 4

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

Accepted Answer

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 ₹9,999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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KrisFlyer SBI Card Apex

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