KrisFlyer SBI Card Apex
A Singapore Airlines KrisFlyer co-brand card earning KrisFlyer miles: 10 per ₹200 on Singapore Airlines Group, 8 per ₹200 on international spends and 6 per ₹200 elsewhere, with domestic and Priority Pass lounge visits; SBI Card gives the miles no rupee value. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹9,999 plus GST Product page |
|---|---|
| Annual fee | ₹9,999 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| No spend-based waiver of the renewal fee is published for this card. | |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| International spends | 8 points per ₹200 Product page | no cap on record |
| Other eligible spends | 6 points per ₹200 Product page | no cap on record |
Earned as KrisFlyer miles, transferred each statement cycle to the KrisFlyer account at Singapore Airlines and redeemed there.
The card terms say KrisFlyer miles have no cash or monetary value, so the calculator cannot put a rupee value on them. EMI (Flexipay and merchant EMI) spends earn no miles.
No rewards on
Benefits
- Lounges: 8 domestic airport lounge visits a year (2 a quarter), plus 8 international Priority Pass visits a year Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: 10,000 KrisFlyer miles after the annual fee and a first transaction within 60 days Product page
- Milestone: 10,000 KrisFlyer miles on ₹5 lakh of spend in a card year Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 KrisFlyer miles per ₹200 on Singapore Airlines Group Product page
- Tier upgrade to KrisFlyer Elite Gold on ₹7.5 lakh of Singapore Airlines spends Product page
- 3,000 bonus KrisFlyer miles on ₹10 lakh of cumulative spend Product page
- Priority Pass membership with 8 international lounge visits a year (up to 2 a quarter) Product page
- Baggage loss or delay cover of ₹1 lakh Product page
- Fraud loss cover of ₹10 lakh Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- the rupee value of a KrisFlyer mile (SBI Card says miles have no cash or monetary value)
- the card network
- a RuPay variant for UPI
- eligibility criteria
- a spend-based waiver of the annual fee
The quotes behind the figures
30 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 9,999 + taxes. The Renewal Fee is Rs. 9,999 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 9,999 + taxes”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“8 KrisFlyer Miles per Rs. 200 on international spends”
“International Spends 10 for every `200 spent 8 for every `200 spent Other Spends 6 for every `200 spent”
“6 KrisFlyer Miles per Rs. 200 on other eligible spends”
“Any purchases at petrol pumps/ service stations E wallet loading Payments towards Rent/ property management”
“Utility transactions Government Transactions Cash advances”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“KrisFlyer SBI Card Apex 9,999 9,999”
“f. The KrisFlyer miles accrued do not have cash or any monetary value.”
“KrisFlyer miles cannot be exchanged for cash or credit or used to obtain cash advances.”
“Milestones are created annually from account creation date”
“8 complimentary International Airport Lounge visits per year (max. 2 visit per quarter)”
“Complimentary membership to the Priority Pass Program worth $99”
“g. KrisFlyer miles can only be accumulated for a period of 36 months from the date of the accrual of KrisFlyer miles under the program.”
“m. KrisFlyer miles accumulated on your SBI Credit Card account are transferred to your KrisFlyer membership account on statement cycle maintained at Singapore Airlines.”
“KrisFlyer SBI Credit Card Apex - Benefits & Features - Apply Now | SBI Card”
“2 complimentary Domestic Airport Lounge visits every quarter”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 250 per statement cycle, per credit card account.”
“10,000 KrisFlyer Miles on payment of Annual Fees and first transaction within 60 days of card issuance”
“Additional 10,000 KrisFlyer Miles on annual spends of Rs. 5 lakhs”
“10 KrisFlyer Miles per Rs. 200 spent on Singapore Airlines Group”
“Tier upgrade to KrisFlyer Elite Gold Membership on spends of Rs. 7.5 lakhs on Singapore Airlines (bookings made via Singapore Airlines App and Website)”
“Additional 3,000 Bonus KrisFlyer miles on cumulative spend of Rs. 10 lakhs”
“Baggage loss / delay cover of Rs. 1 lakh”
“Fraud loss cover of Rs. 10 lakhs”
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Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology