KrisFlyer SBI Card Apex
- Updated On: 25 July, 2025
SBI Card has launched two cards in association with Singapore Airlines’ KrisFlyer program. Two KrisFlyer SBI Cards are now available to apply online: the basic KrisFlyer SBI Card and the premium KrisFlyer SBI Card Apex. In this article, we shall discuss in detail the features and benefits offered by the super-premium KrisFlyer SBI Card Apex. This card comes at a joining and annual charge of ₹9,999, which is quite high and can mostly be availed by those with high annual incomes, which is also suitable since this card offers the highest rewards and privileges for those who can make spends with the international airline giant Singapore Airlines (SQ). You would get a reward rate of 5% (10 KrisFlyer Miles) on each spend of ₹200 made with Singapore Airlines Group. The Singapore Airlines group consists of Singapore Airlines, Scoot, SilkAir, Kris+, and KrisShop websites. Let’s have a look at all the other benefits this card provides.
The KrisFlyer SBI Card Apex is available in the American Express and Mastercard variant.
KrisFlyer SBI Card Apex
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 8 KrisFlyer/₹200 Spend Abroad
Welcome Benefits
10,000 KrisFlyer Miles
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
10 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 8 KrisFlyer/₹200 Spend Abroad
Reward Redemption
Rewards are Earned as KrisFlyer Miles
Travel
KrisFlyer Tier Upgrade on Achieving Milestone Spends
Domestic Lounge Access
2 Visits Each Quarter (8 Annually)
International Lounge Access
8 Airport Visits Abroad
Golf
N/A
Insurance Benefits
Baggage Loss and Fraud Loss Cover
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver on Transactions Upto ₹3,000
Cash Advance Charges
2.5% or ₹500 Whichever is Higher
Product Details
- This card comes at a fee of ₹9,999 + GST.
- It is most suited for those who often fly with Singapore Airlines.
- 3.5% Forex markup shall be charged on all international spends.
- Complimentary domestic and international airport lounge access is offered with this card.
- Primary cardholders shall also be offered Priority Pass for the first two years of card membership.
Pros/Cons
Pros
- With this card, cardholders receive a generous number of domestic and international lounge visits. Additionally, primary cardholders are offered Priority Pass membership.
- The milestone benefits offered with this card are quite attractive. Not only can one earn additional KrisFlyer Miles upto 13,000 Miles, but on spending ₹7.5 lakh, one will also get a a tier upgrade to KrisFlyer Elite Gold membership.
Cons
- This card comes with a fee of ₹9,999, which is quite high compared to other cards. It doesn’t offer holistic rewards such as dining and entertainment benefits.
- The Forex charge for this card is 3.5%, which should have been lower for such a premium card.
Welcome Benefit
Get 10,000 KrisFlyer Miles upon realization of joining fees and making the first transaction within the first 60 days of card issuance.
Reward Rate of KrisFlyer SBI Card Apex
The KrisFlyer Miles earned with this card will be automatically credited to the SBI Card account. Below are the KrisFlyer Miles one can earn in various categories.
- 10 KrisFlyer Miles/₹200 spent on Singapore Airlines Group (Singapore Airlines, Scoot, Pelago, Kris+, and the KrisShop website).
- 8 KrisFlyer Miles/₹200 on international spends.
- 6 KrisFlyer Miles/₹200 on all other eligible spends.
- No KrisFlyer Miles are awarded for fuel, rental, utility, government, and wallet payments.
All accelerated, and regular KrisFlyer miles will be credited in the next statement cycle. KrisFlyer miles will be credited to your KrisFlyer account once a month after the statement date. It may take up to 15 business days for miles to be credited to the KrisFlyer account. KrisFlyer miles are valid for two years from the date of credit.
Keep in Mind – If you choose to close your KrisFlyer SBI Card, you must redeem your KrisFlyer Miles within 30 days of closure. Otherwise, the miles will expire automatically. If your SBI Card is canceled for any other reason, all accumulated KrisFlyer Miles will be forfeited.
Airport Lounge Benefits
- 2 Complimentary domestic airport lounge access across India each quarter (8 each year).
- 8 Complimentary international airport lounge access across the globe each year (2 each quarter).
- The KrisFlyer SBI Apex Card also offers a Priority Pass for free for the first two years. All international airport lounge visits shall be chargeable ($27 + Applicable Taxes) after the complimentary ones are exhausted.
Milestone Benefits
With this premium credit card, users shall get additional rewards for achieving the stipulated spends.
| Spends | Benefits |
| ₹5 Lakh | 10,000 KrisFlyer Miles |
| ₹7.5 Lakh | Tier Upgrade to KrisFlyer Elite Gold Membership |
| ₹10 Lakh | 3,000 Additional KrisFlyer Miles |
About KrisFlyer Elite Gold Membership
A KrisFlyer Elite Gold tier status is provided for the first year when a cardholder spends ₹750,000 on Singapore Airlines SBI Apex Credit Card. One can unlock benefits such as additional baggage allowance, priority check-in and boarding on Singapore Airlines and Scoot flights, complimentary access to more than 1,000 lounges worldwide, STAR ALLIANCE Gold status with our alliance partners, and more.
The KrisFlyer Elite Gold Tier status is valid for one year from the date of upgrade.
Insurance Benefits
| Coverage | Value |
| Baggage Loss/Delay Cover | ₹1 Lakh |
| Fraud Loss Cover | ₹10 Lakh |
KrisFlyer SBI Apex Credit Card Review
The SBI KrisFlyer Apex Credit Card is a super-premium credit card with a high fee of ₹9,999. Only a few SBI cards have such a high charge, like the Aurum Credit Card. This card is most suited for those who frequently fly with Singapore Airlines or make spending with the Singapore Airlines Group, which includes Pelago.
Two of the biggest drawbacks of this card are that there is no discounted forex charge. Cardholders shall be charged 3.5%, which is the industry standard. Apart from this, there are no renewal benefits offered with the KrisFlyer SBI Apex Card, which makes this card worth it only for the first year. This is a major drawback of this card. According to our review, only those who regularly fly with Singapore Airlines should opt for this card, even though the milestone benefits make sense for the first year since there are no renewal benefits offered from the second year. Share your views on this card in the comments below.
FAQs:
What is the joining fee for the KrisFlyer SBI Card Apex?
The KrisFlyer SBI Card Apex can be availed at a joining/annual charge of ₹9,999 + GST.
Is there any insurance coverage offered with this card?
Those with the KrisFlyer SBI Card Apex will receive Baggage Delay Coverage of ₹1 lakh and Fraud Loss Coverage of ₹10 Lakh.
When will my KrisFlyer Miles expire?
KrisFlyer Miles are valid for a period of two years.
If I switch to another SBI Credit Card, what will happen to my KrisFlyer Miles earned on this card?
If you transfer your SBI Card KrisFlyer Apex to another SBI Card, all the KrisFlyer Miles will be converted to Reward Points in your SBI Card account within two working days of the transfer.