KrisFlyer SBI Card Apex
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Singapore Airlines Group spends | 3.35% | No cap |
International spends | 2.68% | No cap |
| All other spends | 2.01% | No cap |
Redemption fee: 99
Managed via Singapore Airlines KrisFlyer account — miles are credited automatically, with no redemption step on SBI's side
Transfer partners
Live Offers
63 activeBenefits
Lounge Access
2 domestic visits/quarter
2 international visits/quarter
Complimentary Priority Pass membership worth $99, valid for 2 years and for PRIMARY cardholders only. 2 complimentary domestic airport lounge visits every quarter and 8 complimentary international visits a year, capped at 2 per quarter. Beyond the complimentary visits, a usage fee of up to $27 plus taxes applies at Priority Pass member lounges.
Fuel Surcharge Waiver
1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India, capped at ₹100 per statement cycle per credit card account. Fuel spend earns no Reward Points.
Welcome Benefit
10,000 KrisFlyer Miles
Credited on payment of the annual fee and the first transaction within 60 days of card issuance.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹9,999/yr |
| Renewal Fee | ₹9,999/yr |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
