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KrisFlyer SBI Card Apex
KrisFlyer SBI Card Apex is the super-premium half of SBI's Singapore Airlines co-brand duo, earning up to 5% miles on SIA Group spend and a large 10,000-mile welcome bonus. It's built for high-income frequent flyers loyal to the Singapore Airlines ecosystem — priority boarding, seat selection privileges, and 8 domestic plus 8 international lounge visits a year round out the package — but the steep fee carries no spend-based waiver and the very high income bar limits who can apply.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
miles
Base reward rate
1.5%
Card network
Mastercard
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Travel: Elevated miles on Singapore Airlines Group spend, plus priority boarding and seat selection privileges when flying with the SIA Group
- Domestic lounge access: 8 complimentary domestic lounge visits per year (2/quarter) plus 8 complimentary international lounge visits per year via a Priority Pass membership valid for the first 2 years
- International lounge access: 8 complimentary domestic lounge visits per year (2/quarter) plus 8 complimentary international lounge visits per year via a Priority Pass membership valid for the first 2 years
Benefits by category
- ✈️ Travel
5% reward rate · 8 complimentary domestic lounge visits per year (2/quarter) plus 8 complimentary international lounge visits per year via a Priority Pass membership valid for the first 2 years
- ⛽ 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: 780
- Minimum monthly income: ₹1,50,000
- 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- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- 10,000 KrisFlyer miles credited on joining and completing the first transaction within 60 days
- 8 complimentary domestic lounge visits per year (2/quarter) plus 8 complimentary international lounge visits per year via a Priority Pass membership valid for the first 2 years
- Elevated miles on Singapore Airlines Group spend, plus priority boarding and seat selection privileges when flying with the SIA Group
- 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
Pros
- + Up to 5% miles earn rate on SIA Group spend
- + Large 10,000-mile welcome bonus
- + 8 domestic + 8 international lounge visits a year
- + Priority boarding and seat selection privileges with SIA Group
Cons
- − ₹9,999 fee has no spend-based waiver
- − Miles-only redemption tied to a single airline group
- − Very high income eligibility bar restricts who can apply
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