KrisFlyer SBI Card Apex
SBI
₹9,999
Joining fee
₹9,999, waived at ₹12L spend
Annual fee
No annual fee waiver option available — 'currently, there is no option of annual card fee waiver'.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Applicant must already hold KrisFlyer membership before applying. Age/income/CIBIL not specified.
Reward details
6 KrisFlyer miles per Rs 200 on other eligible spends (uncapped on eligible categories)
- 10 KrisFlyer miles per Rs 200 on Singapore Airlines Group
- 8 KrisFlyer miles per Rs 200 on International spends
Welcome bonus: 10,000 KrisFlyer miles (requires first spend within 60 days)
- Rs 5 lakh spend: 10,000 miles
- Rs 10 lakh spend: 3,000 miles
- Rs 7.5 lakh Singapore Airlines spend: Elite Gold tier upgrade
Redemption
Miles transfer monthly to KrisFlyer account, redeemable for Singapore Airlines bookings only; validity 3 years from accrual date
Excluded from rewards: fuel, property rental, e-wallet loads, education, government, utility, insurance, cash advances, quasi-cash, fees, Flexipay, EMIs
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Up to 5% value-back potential on top categories — Paisabazaar
- Strong milestone benefits (13,000+ bonus miles yearly achievable) — Paisabazaar
- Complimentary lounge access — Paisabazaar
Complaints
- High 3.5% forex markup fee undermines travel-card positioning — Paisabazaar
- Priority Pass only available for 2 years — Paisabazaar
- No significant lifestyle benefits on non-travel spends — Paisabazaar
- Lower returns versus airline-agnostic competitor cards — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, forex, lounge, rewards, sentiment