KrisFlyer SBI Card APEX
Frequent Singapore Airlines / KrisFlyer flyers and international travellers.
Main trade-off
Value concentrates heavily around Singapore Airlines Group flying: general spenders without SIA loyalty won’t extract full value.
Direct comparison
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| Feature | SBI Card KrisFlyer SBI Card APEX | SBI Card KrisFlyer SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | Mastercard |
| Annual fee | ₹9,999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 1.5% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 2% · International-spend miles | 2.5% · International-spend miles |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent Singapore Airlines / KrisFlyer flyers and international travellers. | Singapore Airlines and Scoot travellers who want KrisFlyer miles without the APEX fee. |
| Main trade-off | Value concentrates heavily around Singapore Airlines Group flying: general spenders without SIA loyalty won’t extract full value. | There is no annual-fee waiver. Mile value depends on award availability, utilities, government, wallet, rent and fuel earn no miles, and transferred KrisFlyer miles expire under the airline programme. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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