KrisFlyer SBI Card
SBI Card · Mastercard · Premium card
A lower-fee KrisFlyer route than the APEX variant, with useful lounge access for regular SIA travellers.
Singapore Airlines and Scoot travellers who want KrisFlyer miles without the APEX fee.
Terms checked 24 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 2.5% |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% Singapore Airlines Group only |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| Gold & jewellery | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year • 4 international airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
1 international airport lounge visit per quarter · Priority Pass
Guest access: Chargeable
Only lounge visits outside India are complimentary through Priority Pass; domestic Priority Pass use and guests are chargeable.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Singapore Airlines Group miles
Usage-based valueFive KrisFlyer miles per ₹200 only on eligible Singapore Airlines Group purchases.
Conditions: Five KrisFlyer miles per ₹200 only on eligible Singapore Airlines Group purchases.
International-spend miles
Usage-based valueFive KrisFlyer miles per ₹200 on eligible international purchases.
Government-payment exclusion
Usage-based valueGovernment transactions at the published excluded MCCs earn no KrisFlyer miles.
Conditions: Government transactions at the published excluded MCCs earn no KrisFlyer miles.
Other eligible KrisFlyer miles
Usage-based valueTwo KrisFlyer miles per ₹200 on other eligible purchases.
2.5 KrisFlyer miles per ₹100 on eligible Singapore Airlines Group and international spend
Shown without a cash valueOne mile per ₹100 on other eligible purchases
Shown without a cash value3,000 bonus miles at ₹3 lakh annual spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Welcome benefits · 1 item
3,000 KrisFlyer miles
Recorded value ₹3,000Welcome miles valued at the engine’s conservative ₹1 per mile.
Conditions: Pay the applicable joining fee · Complete the first eligible transaction within 60 days of card issuance · Maintain an active linked KrisFlyer account
Spend milestones · 1 item
3,000 miles at ₹3 lakh
3,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Card tiers · 1 item
KrisFlyer Elite Silver tier after ₹2.5 lakh eligible Singapore Airlines spend; not inferred from total card spend
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
International lounge access
Usage-based value1 visit per quarter through Priority Pass. Guest access: chargeable. Only lounge visits outside India are complimentary through Priority Pass; domestic Priority Pass use and guests are chargeable.
Insurance and protection · 3 items
Checked-baggage loss cover up to ₹82,500
Shown without a cash valueChecked-baggage delay cover up to ₹17,500
Shown without a cash valueCard fraud-loss cover up to ₹1 lakh
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish one universal numeric income threshold for KrisFlyer SBI Card.
Other benefits · 1 item
1% fuel-surcharge waiver capped at ₹250 per statement cycle on eligible ₹500-₹4,000 fuel purchases
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2.5 KrisFlyer miles per ₹100 on eligible Singapore Airlines Group and international spend
- ✓ One mile per ₹100 on other eligible purchases
- ✓ Four domestic and four international lounge visits yearly
- ✓ 3,000 bonus miles at ₹3 lakh annual spend
What to watch
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.
Recorded exclusions
Bills Utilities · Fuel Commute · Rent · Wallet load · Cash withdrawal · Emi conversion · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026