KrisFlyer SBI Card APEX
SBI Card · Visa · Premium card
The 8 international airport lounge visits per year is exceptional at this fee level, and direct KrisFlyer accrual skips a conversion step other cards require.
Frequent Singapore Airlines / KrisFlyer flyers and international travellers.
Terms checked 13 Sept 2026
- Annual fee
- ₹9,999 + GST
- Joining fee
- ₹9,999 + GST
- Base reward rate
- 1.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 2% |
| Travel & hotels | 1.5% |
| Online shopping | 1.5% |
| Dining & delivery | 1.5% |
| Groceries & essentials | 1.5% |
| Subscriptions & streaming | 1.5% |
| Beauty & wellness | 1.5% |
| Entertainment & movies | 1.5% |
| Offline store shopping | 1.5% |
| Insurance premiums | 1.5% |
| Healthcare & pharmacy | 1.5% |
| Other miscellaneous | 1.5% |
| Gold & jewellery | 1.5% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Education & family | 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
8 domestic airport lounge visits per year • 8 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Maximum eight domestic visits per calendar year.
2 international airport lounge visits per quarter · Priority Pass
Guest access: Chargeable
Maximum eight international visits per calendar year; guest or excess visits 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 · 5 items
Singapore Airlines Group miles
Usage-based value10 miles per ₹200 requires an eligible Singapore Airlines Group transaction.
Conditions: 10 miles per ₹200 requires an eligible Singapore Airlines Group transaction.
International-spend miles
Usage-based value8 miles per ₹200 on eligible international purchases.
Other eligible KrisFlyer miles
Usage-based value6 miles per ₹200 on other eligible retail purchases.
10 KrisFlyer miles per ₹200 on Singapore Airlines Group purchases
Shown without a cash value8 miles per ₹200 on international spend and 6 miles per ₹200 on other eligible spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹9,999₹9,999 annual fee before applicable tax.
Joining fee
Cost ₹9,999₹9,999 one-time joining fee before applicable tax.
Welcome benefits · 2 items
10,000 KrisFlyer miles
Recorded value ₹5,000Welcome miles, valued using the disclosed ₹0.50 planning assumption.
Conditions: Pay the applicable joining fee · Complete the first transaction within 60 days of issuance
10,000 welcome miles after the first transaction within 60 days and joining-fee payment
Shown without a cash value
Spend milestones · 2 items
10,000 miles at ₹5 lakh annual spend
10,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
3,000 miles at ₹10 lakh annual spend
3,000 reward unitsUnlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified. Maximum eight domestic visits per calendar year.
International lounge access
Usage-based value2 visits per quarter through Priority Pass. Guest access: chargeable. Maximum eight international visits per calendar year; guest or excess visits are chargeable.
Travel privileges · 1 item
KrisFlyer Elite Gold after ₹7.5 lakh eligible Singapore Airlines spend in the card year
Shown without a cash value
Insurance and protection · 3 items
₹3.5 crore air-accident cover
Shown without a cash valueBaggage-loss cover ₹82,500 and delay cover ₹17,500
Shown without a cash valueCard-fraud liability cover ₹10 lakh
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹500 to ₹4,000 transactions, capped at ₹250 per statement
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 APEX in the reviewed public materials.
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 ↗Card tiers
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗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 ↗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 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10 KrisFlyer miles per ₹200 on Singapore Airlines Group purchases
- ✓ 8 miles per ₹200 on international spend and 6 miles per ₹200 on other eligible spend
- ✓ 8 domestic and 8 international lounge visits yearly
- ✓ 10,000 milestone miles at ₹5 lakh plus 3,000 more at ₹10 lakh
What to watch
Value concentrates heavily around Singapore Airlines Group flying: general spenders without SIA loyalty won’t extract full value.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Rent · Wallet load · Government payments · Cash withdrawal · Flexipay · Merchant emi · Encash · 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 13 Sept 2026