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KrisFlyer Card Apex

A premium Singapore Airlines co-branded card earning 10 KrisFlyer miles per ₹200 on Singapore Airlines spends, 8 on international spends and 6 on other eligible spends, with eight domestic and eight international lounge visits and a ₹9,999 annual fee.

Cashback / travel valueKrisFlyer miles are the published travel reward; no separate statement cashback rate is listedKrisFlyer miles10 KrisFlyer miles per ₹200 on Singapore Airlines Group spends, 8 per ₹200 on international spends and 6 per ₹200 on other eligible spendsOffers and promotional benefitsWelcome benefit: 10,000 KrisFlyer miles on first transaction within 60 days of card issuance; Annual milestones: 10,000 bonus KrisFlyer miles at ₹5 lakh annual spend; KrisFlyer Elite Gold tier upgrade at ₹7.5 lakh Singapore Airlines spend; additional 3,000 miles at ₹10 lakh annual spend
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Quick eligibility check

KrisFlyer Card Apex

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 21 to 70?

Published source: Eligibility

2Do you meet this product condition: an active KrisFlyer membership account is a prerequisite for issuance and mile transfer?

Published source: Eligibility

3Does your annual income meet this requirement: income documents may be requested based on card eligibility and policy?

Published source: Income eligibility

4Do you meet this requirement: final approval is assessed by SBI Card?

5Does your annual income meet this requirement: The reviewed pages do not publish a universal rupee minimum-income threshold?

6Document checkDo you have this required document or proof: PAN Card?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Aadhaar Card with first 8 digits masked or another valid government address proof?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: Income or employment documents when requested?

Published source: Eligibility

9Document checkDo you have this required document or proof: Recent photograph when requested?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual and renewal fee₹9,999 + applicable taxesView source
The issuer disclosure lists ₹9,999 plus taxes for KrisFlyer Card Apex.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Joining and annual renewal fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
KrisFlyer miles10 KrisFlyer miles per ₹200 on Singapore Airlines Group spends, 8 per ₹200 on international spends and 6 per ₹200 on other eligible spendsView source
The issuer table publishes separate Apex earn rates for Singapore Airlines, international and other spends.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Key highlights — spend-based rewards
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Welcome benefit10,000 KrisFlyer miles on first transaction within 60 days of card issuanceView source
The issuer disclosure lists 10,000 welcome miles on the first transaction within 60 days.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Key highlights — welcome benefit
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Annual milestones10,000 bonus KrisFlyer miles at ₹5 lakh annual spend; KrisFlyer Elite Gold tier upgrade at ₹7.5 lakh Singapore Airlines spend; additional 3,000 miles at ₹10 lakh annual spendView source
The issuer disclosure lists the Apex bonus-mile, tier-upgrade and additional-mile milestones.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Key highlights — annual spend milestones
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Airport-lounge accessEight complimentary domestic airport-lounge visits and eight complimentary international airport-lounge visits per year; maximum two visits per quarterView source
The issuer disclosure lists eight domestic and eight international visits with a two-per-quarter maximum.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Key highlights — lounge benefits
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
NetworkAmerican Express or Mastercard payment platformsView source
The issuer disclosure says each contactless card is available on American Express and Mastercard payment platforms.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Payment-platform availability
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Foreign-currency markup3.5% dynamic-currency-conversion fee under the current MITC general rule for cards outside its named exceptionsView source
The lists 3.5% for cards except its named lower-markup variants; KrisFlyer Apex is not in the named exception list reviewed.
Source
Card Most Important Terms and Conditions
Page / section
Dynamic currency conversion fee
Accessed
1 Sept 2026
Confidence
medium
Open official source ↗
Maximum annual finance chargeUp to 45% per annum for unsecured cardsView source
The issuer states 3.75% per month, equivalent to 45% per annum, for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityBasic SBI Card criteria: age 21–70, salaried or self-employed occupation, regular income and good credit profile; an active KrisFlyer membership account is a prerequisite for issuance and mile transferView source
The issuer terms require an active KrisFlyer membership account for issuance and transfer; general card criteria are published in the e-apply .
Source
KrisFlyer Card Apex terms and conditions
Page / section
Programme eligibility
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Income eligibilityNo universal rupee minimum-income threshold is published; income documents may be requested based on card eligibility and policyView source
The issuer publishes regular income as a criterion but does not publish a universal rupee threshold.
Source
Card online application eligibility
Page / section
— eligibility and documents required
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Offers and promotional benefitsWelcome benefit: 10,000 KrisFlyer miles on first transaction within 60 days of card issuance; Annual milestones: 10,000 bonus KrisFlyer miles at ₹5 lakh annual spend; KrisFlyer Elite Gold tier upgrade at ₹7.5 lakh Singapore Airlines spend; additional 3,000 miles at ₹10 lakh annual spendView source
Combined from the product’s manually reviewed welcome, milestone and renewal-benefit facts; see each issuer source for eligibility and fulfilment terms.
Source
KrisFlyer Card and KrisFlyer Card Apex disclosure
Page / section
Key highlights — welcome benefit
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Monthly finance chargeUp to 3.75% per month for unsecured cardsView source
The current publishes a maximum 3.75% monthly finance charge for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Extended Credit — Finance Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Renewal-fee waiverNo spend-based renewal-fee waiver is listed for KrisFlyer SBI Card Apex in the reviewed fee tableView source
The fee row lists ₹9,999 joining and renewal fees without a reversal condition.
Source
Card Most Important Terms and Conditions
Page / section
KrisFlyer Card Apex fee row
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Cashback / travel valueKrisFlyer miles are the published travel reward; no separate statement cashback rate is listedView source
The issuer describes KrisFlyer mile rewards rather than a separate cashback rate.
Source
KrisFlyer Card Apex official product page
Page / section
KrisFlyer miles benefits
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 10,000 KrisFlyer miles welcome benefit
  • 10,000 bonus miles at ₹5 lakh annual spend
  • additional 3,000 miles at ₹10 lakh annual spend
  • KrisFlyer Elite Gold upgrade at ₹7.5 lakh Singapore Airlines spend
  • eight domestic and eight international lounge visits yearly

Eligibility

  • Card publishes age 21–70, salaried or self-employed occupation, regular income and good credit profile as basic criteria; final approval is assessed by Card.
  • The reviewed pages do not publish a universal rupee minimum-income threshold.
  • An active KrisFlyer membership account is a prerequisite for issuance and transfer of accumulated miles.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Card
  • Aadhaar Card with first 8 digits masked or another valid government address proof
  • Income or employment documents when requested
  • Recent photograph when requested
  • Active KrisFlyer membership account

Related official documents

SBI Card current credit-card application catalogueofficial-product-catalogue · current · accessed 1 Sept 2026
↗
SBI Card online application eligibility and document requirementsofficial-eligibility-page · current · accessed 1 Sept 2026
↗
SBI Card Key Fact Statementkey-fact-statement · current · accessed 1 Sept 2026
↗
SBI Card Most Important Terms and Conditionsmost-important-terms-and-conditions · current · accessed 1 Sept 2026
↗
KrisFlyer SBI Card Apex — official product pageofficial-product-page · current · accessed 1 Sept 2026
↗
KrisFlyer SBI Card Apex terms and conditionsofficial-product-terms · current · accessed 1 Sept 2026
↗
KrisFlyer SBI Card and KrisFlyer SBI Card Apex disclosureofficial-disclosure · current · accessed 1 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

KrisFlyer Card · Joining / renewal fee₹2,999 / ₹2,999

This value is copied from KrisFlyer Card fee, earn and lounge comparison. Check the table notes before relying on it.

Source: KrisFlyer Card and KrisFlyer Card Apex disclosure · Key highlights table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 2 rows · 7 columnsKrisFlyer SBI Card fee, earn and lounge comparisonThe issuer's disclosure compares both current KrisFlyer variants.View tableHide table

Scroll sideways to view every column

KrisFlyer SBI Card fee, earn and lounge comparison
ProductJoining / renewal feeSingapore Airlines milesInternational milesOther milesDomestic loungeInternational lounge
KrisFlyer Card₹2,999 / ₹2,9995 per ₹2005 per ₹2002 per ₹2004 per year; max 1 per quarter4 per year; max 1 per quarter
KrisFlyer Card Apex₹9,999 / ₹9,99910 per ₹2008 per ₹2006 per ₹2008 per year; max 2 per quarter8 per year; max 2 per quarter
  • Applicable taxes and programme exclusions apply. The issuer disclosure also lists payment-platform availability on American Express and Mastercard.
KrisFlyer Card and KrisFlyer Card Apex disclosure · Key highlights table · accessed 1 Sept 2026Open official source ↗

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