KrisFlyer SBI Card Apex
SBI Card · Open to apply
The top Singapore Airlines co-brand card: 10 KrisFlyer miles per ₹200 on Singapore Airlines, 8 per ₹200 abroad and 6 per ₹200 elsewhere (not fuel, rent, utilities, wallets or government), 10,000 welcome miles, two domestic lounge visits a quarter and eight Priority Pass visits abroad a year.
- Annual fee
- ₹9,999 + GST a year
- Joining fee
- ₹9,999 + GST
- Base rate
- 6 KrisFlyer miles per ₹200 on other eligible spends: 6 KrisFlyer Miles per ₹200 (about 2.22% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 8 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 KrisFlyer miles per ₹200 on Singapore Airlines: 10 KrisFlyer Miles per ₹200 (about 3.7% at cash value)
- 8 KrisFlyer miles per ₹200 on international spends: 8 KrisFlyer Miles per ₹200 (about 2.96% at cash value)
Earns nothing on
- No miles at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No miles on wallet loads (MCCs 6540, 6541)
- No miles on rent and property management (MCCs 6513, 7349)
- No miles on utility transactions (MCCs 4900, 4814, 4899, 9399)
- No miles on government transactions (MCCs 9311, 9399)
- No miles on cash advances, ATM withdrawals, encash and balance transfers
- No miles on Flexipay and Merchant EMI
Terms the calculator does not value
- The KrisFlyer Elite Gold tier upgrade needs ₹7.5 lakh of spends booked on the Singapore Airlines app or website; the calculator does not value tier status.
- "Additional 3,000 bonus KrisFlyer miles on cumulative spend of ₹10 lakhs": the page does not say whether the spend is per card year or over the life of the card, so it is not entered.
- The page says "Reward Points are not applicable on some spend categories"; the T&C names the MCCs entered as exclusions. Which spends count as "international" is not defined.
Sources
- KrisFlyer SBI Card Apex product-page data file (fees, rates, milestones, lounges, insurance) (Product page, the bank's own, read 6 Nov 2026)
- KrisFlyer SBI Card Apex Terms & Conditions booklet (rewards programme, Priority Pass, insurance) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (Most important terms (MITC), the bank's own, read 6 Nov 2026)