KrisFlyer SBI APEX Credit Card
SBI Bank
Expert Rating
₹9,999
₹9,999
3.5%
16 visits/yr
Contents
A premium travel co-branded card with Singapore Airlines offering strong miles accrual and generous lounge access. Ideal for frequent flyers seeking accelerated KrisFlyer mile earnings, milestone bonuses and Priority Pass membership. High annual fee but attractive perks for high spenders and international travellers.
Features of KrisFlyer SBI APEX Credit Card which makes it unique
Priority Pass Membership
Complimentary Priority Pass membership included.
Access to global lounges for international travel.
Valuable for frequent flyers.
Milestone Miles
Bonus KrisFlyer miles on achieving annual spend milestones.
Extra miles accelerate redemption possibilities.
Better milestone rewards for high spenders.
Rewards Structure of KrisFlyer SBI APEX Credit Card
Other Eligible Spends
acceleratedAll other eligible domestic retail purchases (non-fuel, non-wallet load)
Standard earn rate for eligible retail spends.
Singapore Airlines Group
acceleratedSingapore Airlines, Scoot, Pelago, Kris+ and KrisShop spends
Highest earn rate for SIA group purchases.
International Spends
acceleratedForeign currency/international retail transactions
Applicable on overseas and foreign currency spends.
Milestones of KrisFlyer SBI APEX Credit Card
Annual Milestone
₹500,000 : 10,000 KrisFlyer miles
Tier Upgrade Milestone
₹750,000 on Singapore Airlines spends : KrisFlyer Elite Gold tier upgrade (subject to terms)
Fees & Charges of KrisFlyer SBI APEX Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹9,999 |
| Annual Fee | ₹9,999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Renewal fee applicable annually; refer to issuer for waiver conditions.
Fee Explanation Standard bank rates apply for overdue amounts and finance charges as per card terms.
Lounge Access Benefits with KrisFlyer SBI APEX Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary domestic lounge visits every quarter; primary cardholder only.
international Lounges
silverVisits per year: 8
Guest access: Yes
Complimentary Priority Pass membership provided; usage fees may apply after complimentary visits.
Insurance Coverage with KrisFlyer SBI APEX Credit Card
Baggage Loss/Delay
₹100,000Subject to terms; valid on eligible trips.
Fraud Liability
₹100,000Refer to issuer for claim process.
Additional Features of KrisFlyer SBI APEX Credit Card
Contactless Payments
Contactless tap-to-pay enabled (Mastercard/Visa payWave compatible).
Add-on Cards
Add-on cards available under primary account.
Welcome Bonus with KrisFlyer SBI APEX Credit Card
Welcome Bonus: 10,000 KrisFlyer miles
Bonus Conditions: Miles awarded on payment of annual fee and first transaction within 60 days of card issuance.
Application Process for KrisFlyer SBI APEX Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for KrisFlyer SBI APEX Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
KrisFlyer SBI APEX Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for KrisFlyer SBI APEX Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must be a KrisFlyer member where applicable. PAN and Aadhaar required for KYC.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of KrisFlyer SBI APEX Credit Card
- Strong miles accrual for Singapore Airlines and international spends
- Priority Pass and generous lounge access
- Attractive milestone bonuses
Cons of KrisFlyer SBI APEX Credit Card
- High annual fee
- Best value only for frequent international travellers
Frequently Asked Questions about KrisFlyer SBI APEX Credit Card
What is the welcome bonus?
10,000 KrisFlyer miles on payment of annual fee and first transaction within 60 days; see bonus conditions.
What are the primary earn rates?
Earn 10/8/6 KrisFlyer miles per ₹200 on SIA group / international / other eligible spends respectively.
What is the annual fee and is it waivable?
Annual fee is ₹9,999 (exclusive of taxes). Waiver conditions may apply as per issuer terms.
What lounge benefits are included?
2 complimentary domestic visits every quarter and a Priority Pass membership with limited complimentary international visits.
Are there exclusions to miles earn?
Yes — exclusions include property rent, fuel and wallet loads; check issuer T&C for full list.
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