State Bank of India (SBI Card) · with Singapore Airlines KrisFlyerMastercard · AmexLast checked 12 Oct 2026
The KrisFlyer SBI Card Apex costs Rs 9,999 a year. It earns 6 KrisFlyer miles per Rs 200 on other eligible spends. Accelerated earn: 10 miles per Rs 200 on Singapore Airlines Group; 8 miles per Rs 200 on international spends. The forex markup is 3.5%. Lounge visits in India: 2 per quarter. Abroad: 8 per year via Priority Pass, max 2 per quarter. Read from the issuer's documents and an aggregator on 12 Oct 2026.
SBI CardKrisFlyer SBI Card ApexCard design not shown
Annual fee Rs 9,999 + taxes; renewal fee Rs 9,999 from second year (product page). No spend-based waiver on the page or in the MITC.
Rewards
Welcome benefit
10,000 KrisFlyer miles on payment of annual fee and first transaction within 60 days of card issuance
Reward currency
KrisFlyer miles
Base earn
6 KrisFlyer miles per Rs 200 on other eligible spends
Point value
No rupee value stated; miles are credited to the KrisFlyer account
Accelerated earn
10 miles per Rs 200 on Singapore Airlines Group; 8 miles per Rs 200 on international spends
Spends that earn nothingunverified
Fuel, rent, utilities, government, wallet loads
Points expiry
Miles valid 2 years (aggregator); KrisFlyer programme rules apply
Milestone benefits
Additional 10,000 KrisFlyer miles on annual spends of Rs 5 lakh; tier upgrade to KrisFlyer Elite Gold on spends of Rs 7.5 lakh on Singapore Airlines (app and website bookings); 3,000 bonus miles on cumulative spend of Rs 10 lakh; milestone year runs from account creation date, credited within 30 days
Reward notes
base_return_pct left null: the page states earn rates but no rupee value for a KrisFlyer mile. Earns direct miles, so no transfer step. Aggregator notes no renewal benefit.
Transfers
Partners
Singapore Airlines KrisFlyer
Ratio
Earned directly as KrisFlyer miles
Travel and perks
Domestic lounge
2 per quarter
International lounge
8 per year via Priority Pass, max 2 per quarter
Lounge conditions
Priority Pass membership worth USD 99, primary cardholder only, valid 2 years; up to USD 27 + taxes per visit after the complimentary ones.
Forex markup
3.5%
Fuel surcharge waiver
1% on fuel txns Rs 500-4,000, cap Rs 250 per statement cycle
Other freebies
Priority Pass membership worth USD 99; baggage loss/delay cover of Rs 1 lakh; fraud loss cover of Rs 10 lakh
Charges and eligibility
Interest per month
3.75%
Late payment fee
On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)
Cash advance fee
2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one
Fine-print notes
Benefit fields now read from the issuer's product page (rendered 2026-10-12). Miles are credited automatically to the KrisFlyer account on statement date. The page says rewards do not apply to some spend categories and refers to the T&C without listing them, so the exclusion list stays from Card Insider; network is not stated beyond generic 'MasterCard or Visa ATMs' text, so the earlier Mastercard/Amex value stays unverified. Page vs earlier value (page used): fuel waiver was 'txns up to Rs 3,000' (Card Insider); page says Rs 500-4,000 with a Rs 250 cap per statement cycle; Elite Gold milestone: page ties the Rs 7.5 lakh to spends on Singapore Airlines, not total annual spend. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.
Questions
What is the annual fee of the KrisFlyer SBI Card Apex?
Rs 9,999 a year, before GST.
Does the KrisFlyer SBI Card Apex give airport lounge access?
Yes. In India: 2 per quarter. Outside India: 8 per year via Priority Pass, max 2 per quarter. Conditions: Priority Pass membership worth USD 99, primary cardholder only, valid 2 years; up to USD 27 + taxes per visit after the complimentary ones.
What is the forex markup on the KrisFlyer SBI Card Apex?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the KrisFlyer SBI Card Apex?