KrisFlyer SBI Card Apex
Travel
Co-branded
1st Year Fee: ₹9,999* Plus Applicable Taxes
Membership
Tier upgrade to KrisFlyer Elite Gold
Air Miles
Up to 10 KrisFlyer miles per Rs. 200 spent
Lounge Access
Up to 16 free lounge visits every year
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About KrisFlyer SBI Card Apex
SBI Card offers two co-branded travel credit cards with Singapore Airlines. KrisFlyer SBI Card Apex is the premium variant from this collaboration and comes at an annual fee of Rs. 10,000. It is available for only those who already have KrisFlyer membership and is best-suited for high-spenders who frequently travel via Singapore Airlines every year. KrisFlyer Apex lets the cardholders save on every spend by offering up to 10 KrisFlyer miles on every Rs. 200 spent and milestone benefits in the form of bonus KrisFlyer miles and KrisFlyer Elite Gold membership, along with free lounge visits. However, in comparison to other premium range cards, KrisFlyer SBI Card Apex falls short in terms of lifestyle benefits on non-travel category spends.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit SBI Card website.
Welcome Benefits & Rewards Program
Welcome Bonus
- 10,000 KrisFlyer miles on paying the joining fee and making the 1st card spend within 60 days of card issuance
Air Miles Earning
On every Rs. 200 spent, you can earn:
- 10 KrisFlyer miles: On Singapore Airlines Group
- 8 KrisFlyer miles: On international spends
- 6 KrisFlyer miles: On other eligible spends1
Air Miles Redemption
- Accrued KrisFlyer miles are transferred to your KrisFlyer account every month on the statement date and can be redeemed for Singapore Airlines bookings
Other Features & Benefits
Lounge Access
- Complimentary Priority Pass Program2 worth USD 99
- Up to 8 complimentary visits to international airport lounges per year, capped at 2 per quarter
- Up to 8 complimentary visits to domestic airport lounges per year, capped at 2 per quarter
Milestone Benefits
- Additional 10,000 KrisFlyer miles on reaching Rs. 5 lakh spends in a year
- Additional 3,000 KrisFlyer miles on reaching Rs. 10 lakh spends in a year
- Upgrade to KrisFlyer Elite Gold tier membership on spending a minimum of Rs. 7.5 lakh on Singapore Airlines
Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 9,999 + applicable taxes | ||||||||||||||
| Finance Charges | Up to 3.75% per month (45% per annum) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You are a high spender and do not mind paying a high annual fee
You frequently travel via Singapore Airlines and wish to save on your travels
You can maximise your savings by meeting the spend-based conditions of milestone benefits
You are comfortable earning KrisFlyer miles as rewards which can only be redeemed for Singapore Airlines bookings
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Paisabazaar Review
What do we like about this card?
This card is suitable for high-spenders who travel often via Singapore Airlines. It offers uncapped accelerated rewards of up to 10 KrisFlyer miles on every Rs. 200 spent on Singapore Airlines and international spends. A base value-back rate of 3% on other spends also seems rewarding. The cardholders can also avail complimentary airport lounge access across the world to make their travels more comfortable. High-spenders can also accrue bonus KrisFlyer miles and upgrade to KrisFlyer Elite Gold tier by meeting the spending milestones.
Pros
- Up to 5% value-back in the form of KrisFlyer miles on card spends
- Up to 13,000 bonus KrisFlyer miles and KrisFlyer Gold membership every year as milestone benefits
- Up to 8 free visits each to domestic and international airport lounges every year
- Welcome bonus matches the joining fee value
Cons
- Priority Pass membership is only available for the first 2 years
- High forex markup fee of 3.5%
- No significant lifestyle benefit on non-travel spends, such as movies, dining, shopping, etc.
Conclusion
On comparing the value-back with airline agnostic cards like Axis Atlas, we find KrisFlyer Apex’s returns much lower for double the annual fee. Those who frequently fly with Singapore Airlines can consider getting this card but people who want better returns across multiple airlines should consider cards like Axis Atlas, Axis Horizon, HSBC Travel One. Premium options like HDFC Diners Club Black, Axis Magnus for Burgundy, etc. can also translate to excellent savings if you are ready to pay a higher annual fee.
Frequently Asked Questions
Everything you need to know about this credit card
The accrued KrisFlyer Miles are credited to your KrisFlyer membership account on every statement date. You can log in to your KrisFlyer account on Singapore Airlines website and redeem them for flight bookings.
The KrisFlyer Miles you earn using your SBI credit card are only valid for 3 years from their accrual date.
This card offers a tier upgrade to KrisFlyer Elite Gold membership as a milestone bonus, but the cardholder must already have a KrisFlyer membership before getting this credit card.
Currently, there is no option of annual card fee waiver for KrisFlyer SBI Apex cardholders.
KrisFlyer SBI Card Apex and KrisFlyer SBI Card are associated with Singapore Airlines.
Yes, KrisFlyer SBI Card Apex offers up to 8 domestic and 8 international airport lounge visits in a year.
Footnotes
- Spends made on fuel, property rental, e-wallet loads, education, government, utility, insurance, cash advances, quasi cash, fees and charges, Flexipay spends, and EMIs do not accrue any KrisFlyer miles
- Complimentary Priority Pass membership is valid for just the first 2 years and can only be availed by primary credit cardholders
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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