KrisFlyer SBI Card Apex

01KrisFlyer SBI Card Apex Rewards and Benefits

Rewards rate

1.5% base, up to 2% on foreign spends

Reward redemption

Not published

Dining

1.5% back (the normal rate)

Travel

1.5% back (the normal rate)

Golf

Not included

Domestic lounge

8 visits a year

International lounge

8 visits a year

Insurance benefits

Not included

02KrisFlyer SBI Card Apex Annual Fee and Charges

Joining fee

₹9,999 + GST

Annual fee

₹9,999 + GST

Spend-based waiver

None

Rewards redemption fee

Nil

Forex markup

3.5%

Interest rate

Not published

Fuel surcharge waiver

Yes

Card replacement

Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

• ₹5,000 on spend abroad or in a foreign currency, earning 2%₹100
• ₹15,000 on everything else, earning 1.5%₹225
• Back each month, ₹3,900 a year₹325
• Annual fee with 18% GST−₹11,799
• It costs you each year₹7,899

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

04How KrisFlyer SBI Card Apex earns Rewards

1.5% base, up to 2% on foreign spends.

Terms on the base rate. 6 KrisFlyer Miles per ₹200 on other eligible spends, INCLUDING domestic travel that is not a Singapore Airlines Group ticket. SBI's accelerated rate is scoped to SIA spends only, which no spend category can express, so it is described in prose and not scored. Miles expire 36 months after accrual

Point value. 1 point is worth about ₹0.5 at the bank's stated value.

05KrisFlyer SBI Card Apex Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. 8 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 bey. Spending abroad carries a 3.5% forex markup; rewards on it: 2% back. See what it costs on your trip

Also on the card. fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.

• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps in India; maximum waiver ₹250 per statement cycle.
• Insurance cover: Baggage loss/delay cover of ₹1 lakh and fraud loss cover of ₹10 lakh.
• Airport lounge access: 8 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 beyond the quota.
• Milestone bonuses: 10,000 bonus KrisFlyer Miles at ₹5 lakh of annual spend. Separately, 3,000 more at ₹10 lakh of CUMULATIVE lifetime spend, and a tier upgrade to KrisFlyer Elite Gold on ₹7.5 lakh of Singapore Airlines spend.

06KrisFlyer SBI Card Apex Eligibility and Documents

Employment

Salaried or self-employed

Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph

07Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

See this card's change history → · All card changes in November 2025 →

08Cards Similar to KrisFlyer SBI Card Apex

KrisFlyer SBI Card Apex is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	KrisFlyer SBI Card Apex	IDFC FIRST Millennia Credit Card	AU Traverse Credit Card
Joining fee	₹9,999 + GST	Lifetime free	₹4,999 + GST
Annual fee	₹9,999 + GST	Lifetime free	₹4,999 + GST
Rewards	1.5% base, up to 2% on foreign spends	0.38% base, up to 1.25% on dining	0.5% base, up to 1% on foreign spends
Domestic lounge	8 visits a year	Not included	8 visits a year
Forex markup	3.5%	0%	0.99%
Type	International	Dining	International

09Explore More