SBI Card
Premium · KrisFlyer Apex
KrisFlyer SBI Apex Credit Card
SBI Card
Earn up to 10 KrisFlyer miles per ₹200 on Singapore Airlines with super-premium travel privileges
Annual Fee
₹9,999
Joining Fee
₹9,999
Reward Rate
0.5%
Forex Markup
2%
Value Analysis
Annual Net Value
₹2,38,201
Total Annual Benefits
₹2,50,000
Total Annual Charges
₹11,799
ROI
2019%
Fee Waiver Available
Annual fee waived on spending ₹20 Lakh in the preceding year — ₹20,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (4)
10 KrisFlyer Miles per ₹200 on Singapore Airlines & Scoot
Earn 10 KrisFlyer miles per ₹200 on Singapore Airlines and Scoot flight bookings
- • Valid on Singapore Airlines and Scoot bookings
10 miles per ₹200
8 KrisFlyer Miles per ₹200 on International Spends
Earn 8 KrisFlyer miles per ₹200 on all international spends abroad
- • Valid on international spends abroad
8 miles per ₹200
Complimentary KrisFlyer Silver Status
Complimentary KrisFlyer Silver membership with priority check-in and extra baggage
- • Valid as long as card is active
KrisFlyer Silver
Dedicated Travel Concierge
24/7 dedicated travel concierge for bookings, reservations, and travel planning
- • Available via phone and email
24/7 concierge
Reward Points (1)
2 KrisFlyer Miles per ₹200 on All Other Spends
Earn 2 KrisFlyer miles per ₹200 on all other retail spends
2 miles per ₹200
Airport Lounge Access (1)
Unlimited Domestic & International Lounge Access
Unlimited complimentary domestic and international airport lounge visits
- • Unlimited access via Priority Pass and Dreamfolks
Unlimited visits
₹2,80,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
KrisFlyer Miles
2 miles per ₹200 (10X on SQ/Scoot, 4X abroad)
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Singapore Airlines flight bookings
- → Scoot flights
- → Star Alliance partner flights
- → Hotel bookings via KrisFlyer
- → KrisShop purchases
Bonus Categories
Singapore Airlines
5x multiplier
10 KrisFlyer miles per ₹200 on SQ/Scoot
International
4x multiplier
8 KrisFlyer miles per ₹200 on international spends
Milestone Bonuses
20,000 bonus KrisFlyer miles on spending ₹15 Lakh annually
Spend ₹15,00,000 annually
20,000 KrisFlyer miles
Additional 30,000 bonus KrisFlyer miles on spending ₹30 Lakh annually
Spend ₹30,00,000 annually
30,000 KrisFlyer miles
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹9,999 Excluding 18% GST |
| Annual Fee | ₹9,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,50,000
- Min. Annual Income
- ₹18,00,000
- Min. Credit Score
- 780
- Age Range
- 25 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹1,50,000
- • Self-Employed: Minimum ITR of ₹18 Lakh p.a.
- • Age 25–65 years
- • Excellent credit history required
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹1.5 Cr
Lost Card Liability
₹20.0 L
Report within 24h
Air Accident Cover
₹1.5 Cr
Purchase Protection
₹2.0 L
180 days
- • Air accident cover: ₹1.5 Crore
- • Travel insurance: ₹1.5 Crore
- • Purchase protection: ₹2 Lakh for 180 days
- • Lost card liability: ₹20 Lakh
- • Baggage delay/loss: ₹1 Lakh
- • Flight delay: Up to ₹50,000
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks Mastercard Lounge Singapore Airlines Lounge
- • Domestic: Unlimited complimentary visits
- • International: Unlimited via Priority Pass
- • Singapore Airlines lounge access at select airports
- • Guest access available at nominal charge
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹10,000
Features
Metal card Contactless payments EMV chip security Global acceptance Unlimited lounge access KrisFlyer Silver status Dedicated concierge Add-on cards available EMI conversion facility Exclusive Singapore Airlines benefits Star Alliance network
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24, 36 months
Processing Fee
0.5%
Ready to Apply?
The KrisFlyer SBI Apex Credit Card is a super-premium co-branded airline card offering 10 KrisFlyer miles per ₹200 on Singapore Airlines and Scoot boo...
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