Share

KrisFlyer SBI Card Apex vs AU Traverse Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

KrisFlyer SBI Card Apex versus AU Traverse Credit Card compared
FeatureKrisFlyer SBI Card ApexKrisFlyer SBI Card ApexState Bank of India2 recent changes →
AU Traverse Credit CardAU Traverse Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards1.5% base, up to 2% on foreign spends0.5% base, up to 1% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.5%0.5%
Dining and food delivery1.5%0.5%
Groceries1.5%0.5%
Travel: flights, hotels, trains1.5%0.5%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.25%
RentsameEarns nothingEarns nothing
Insurance premiums1.5%0.5%
School and college fees1.5%Earns nothing
Wallet top-upsEarns nothing0.5%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency2%1%
Everything else1.5%0.5%
Card identity
Card typesameInternationalInternational
NetworkMastercardVisa
Card tierSuper premiumPremium
Fees
Joining fee₹9,999 + GST₹4,999 + GST
Annual fee₹9,999 + GST₹4,999 + GST
Fee waived at-₹6,00,000
Eligibility
Min age-18 years
Max age-75 years
Employment typesameBOTHBOTH
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visitssame88
International lounge visitssame88
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge condition8 complimentary domestic lounge visits a year (2 per quarter) plus Priority Pass (worth $99) with 8 international visits a year (max 2 per quarter). Membership is primary-cardholder only and complimentary for 2 years; a $27 usage fee applies per visit bey2 complimentary domestic and international airport lounge visits per quarter
Forex and international
Forex markup3.5%0.99%
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Page content
Documents neededPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photographPassport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proof
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

KrisFlyer SBI Card Apex
Rewards a year
₹3,900
Fee a year
- ₹11,799
You keep
- ₹7,899
AU Traverse Credit Card
Rewards a year
₹1,500
Fee a year
- ₹5,899
You keep
- ₹2,622

At this spend, AU Traverse Credit Card comes out ₹5,277 a year ahead of KrisFlyer SBI Card Apex. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

KrisFlyer SBI Card Apex
  • Foreign spends: 2% back
  • Flyers: 16 airport lounge visits a year
AU Traverse Credit Card
  • Foreign spends: 1% back
  • Spending ₹50,000 or more a month: the ₹5,899 fee is waived
  • Flyers: 16 airport lounge visits a year
  • Spending abroad: 0.99% markup, most cards add 3.5%

Watch-Outs

KrisFlyer SBI Card Apex
  • Skip it if you spend less than ₹66,000 a month: below that the ₹11,799 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or wallet top-ups: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
AU Traverse Credit Card
  • Skip it if you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%

Card data sourced via CardAdvisor.in (KrisFlyer SBI Card Apex, AU Traverse Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, KrisFlyer SBI Card Apex or AU Traverse Credit Card?

AU Traverse Credit Card. AU Traverse Credit Card: ₹4,999; KrisFlyer SBI Card Apex: ₹9,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Traverse Credit Card has the lowest forex markup. AU Traverse Credit Card: 0.99%; KrisFlyer SBI Card Apex: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: KrisFlyer SBI Card Apex 1.5%, AU Traverse Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

KrisFlyer SBI Card Apex: 8 domestic lounge visits a year; AU Traverse Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works