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KrisFlyer SBI Card Apex
Mastercard
KrisFlyer SBI Card Apex
The super-premium half of SBI's Singapore Airlines co-brand duo — up to 10 KrisFlyer miles per ₹200 on SIA Group spend and a large 10,000-mile welcome bonus, at a steep ₹9,999 fee with no spend-based waiver.
Rates and fees last verified 15 July 2026.
Annual fee
₹9,999
Joining fee
₹9,999
Reward type
miles
Base reward rate
1.5%
Card network
Mastercard
Card tier
Super-premium
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 Priority Pass (first 2 years)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
- 🌍 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
Benefits
- 10,000 KrisFlyer miles on joining and first transaction within 60 days
- 8 complimentary domestic lounge visits per year (2/quarter) plus 8 complimentary international lounge visits per year via Priority Pass (first 2 years)
- Elevated miles on Singapore Airlines Group spend, plus priority boarding and seat selection privileges with SIA Group
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
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
Cons
- − ₹9,999 fee has no spend-based waiver
- − Miles-only redemption tied to one airline group
- − Very high income eligibility bar