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KrisFlyer SBI Card
KrisFlyer SBI Card is SBI's entry into Singapore Airlines co-branding, earning KrisFlyer miles directly on SIA Group spend without needing a separate points-transfer step. Positioned as the accessible half of the KrisFlyer SBI duo below the Apex, it suits occasional Singapore Airlines and Scoot flyers at a moderate ₹4,999 fee, though lounge access and forex terms are noticeably lighter than the premium Apex variant.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
miles
Base reward rate
0.5%
Card network
Mastercard
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Travel: Miles earned directly on Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago spends, usable across the SIA Group without a separate transfer step
- Domestic lounge access: 2 complimentary domestic airport lounge visits per year
Benefits by category
- ✈️ Travel
1.5% reward rate · 2 complimentary domestic airport lounge visits per year
- ⛽ Fuel
1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 3,000 KrisFlyer miles credited on joining and completing the first transaction within 60 days
- 2 complimentary domestic airport lounge visits per year
- Miles earned directly on Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago spends, usable across the SIA Group without a separate transfer step
- 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
Pros
- + Direct KrisFlyer miles earning, no separate transfer step required
- + Useful for frequent Singapore Airlines and Scoot flyers
- + Reasonable fee for a co-branded airline card
- + Miles also earn on KrisShop, Kris+, and Pelago spends
Cons
- − Miles-only redemption has no cash value
- − Only 2 domestic lounge visits a year, no international access
- − Standard 3.5% forex markup despite being marketed as a travel card
Best for
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