Mastercard ★ Metal Edition 📡 Contactless NFC

KrisFlyer SBI Card Apex

Joining Fee₹9,999

Annual Fee₹9,999

Forex Markup 2%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent international flyers traveling via Singapore Airlines, Scoot, and Star Alliance carriers seeking direct KrisFlyer miles, 8 domestic + 8 international lounge visits, and elite airline status fast-tracks.

Who Should Avoid

Domestic-only flyers or users seeking general cash statement credits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

10,000 bonus KrisFlyer Miles (worth ~₹15,000 in award flights) + complimentary KrisFlyer Elite Silver Tier membership upon payment of joining fee

Direct Singapore Airlines KrisFlyer Miles

Earn 10 KrisFlyer Miles per ₹200 on Singapore Airlines, Scoot, Pelago, and Kris+; 8 Miles per ₹200 on international spends.

Fast-Track to KrisFlyer Elite Gold

Complimentary KrisFlyer Elite Gold Tier status (Star Alliance Gold perks including priority check-in and 20kg extra baggage) on spending ₹7.5 Lakhs on Singapore Airlines.

8 Domestic & 8 International Airport Lounge Visits

8 complimentary domestic and 8 international airport lounge visits per calendar year (max 2 of each per quarter).

💰 Reward Structure & Point Valuation

1 KrisFlyer Miles = ₹1.5

Standard Base Earning

6 KrisFlyer Miles per ₹200 spent on all other eligible domestic retail purchases (3.0% return; 1 KrisFlyer Mile = ~₹1.50 for flight awards)

Accelerated / Partner Rate

10 KrisFlyer Miles per ₹200 (5.0% return) on Singapore Airlines, Scoot, Pelago, Kris+, and KrisShop; 8 KrisFlyer Miles per ₹200 on all international retail spends; Milestone bonuses: 5,000 bonus miles on ₹5L spend, 10,000 bonus miles on ₹10L spend (total 15,000 bonus miles/year)

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Singapore Airlines & Star Alliance Award Flights via singaporeair.com, Cabin Upgrades on Singapore Airlines, Partner Hotel Bookings & Retail Vouchers via KrisShop

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge Visits8 complimentary international airport lounge visits per calendar year (max 2 per quarter) via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

No spend-based annual fee waiver exists; renewal fee of ₹9,999 + GST applies with 10,000 bonus KrisFlyer Miles credited on annual fee payment

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹150,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the KrisFlyer SBI Card Apex

Annual Fee: ₹9,999/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, KrisFlyer SBI Card Apex has a joining fee of ₹9999 and an annual renewal fee of ₹9999 (plus applicable taxes).

KrisFlyer SBI Card Apex ₹9,999/yr