SBI
KrisFlyer SBI Apex Credit Card
This is an invite only card
Top Benefits
Earn 10 KrisFlyer Miles per ₹200 on Singapore Airlines Group
Covers spends on Singapore Airlines, Scoot, Pelago, Kris+ and KrisShop plus 8 KrisFlyer Miles per ₹200 on international spends and 6 Miles per ₹200 on other eligible spends
Enjoy 16 Complimentary Airport Lounge Visits Every Year
2 domestic lounge visits every quarter (8 per year) and 8 international lounge visits per year (max 2 per quarter) with complimentary Priority Pass membership worth $99
Best For
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹11,799 ( ₹9999 + GST )
Annual Fees
₹11,799 ( ₹9999 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 10,000 KrisFlyer Miles welcome benefit
- 10 KrisFlyer Miles per ₹200 spent on Singapore Airlines Group (8 per ₹200 on international spends 6 per ₹200 on other eligible spends)
- up to 13,000 bonus Miles through milestone spendstier upgrade to KrisFlyer Elite Gold Membership
- 16 complimentary airport lounge visits per year with Priority Pass membership worth $99
Milestone Benefits
10000 reward points(Worth ~ ₹0)
Spend ₹5,00,000 in 365 days
3000 reward points(Worth ~ ₹0)
Spend ₹10,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Points = 1 Krisflyer Mile
Redemption Options
- Krishflyer
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Property
Utility Bills
Insurance
School & Education
Wallet Load
Quasi Cash
Cash Advance
ATM Withdrawals
Balance Transfer
Merchant EMI Transactions
Disputed Transaction
For Spends Waiver
Fuel
Rent
Property
Utility Bills
Insurance
School & Education
Wallet Load
Quasi Cash
Cash Advance
ATM Withdrawals
Balance Transfer
Merchant EMI Transactions
Disputed Transaction
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of ₹200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹200 |
Cash Payment Fees ₹250 cash payment fee per deposit | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1000 | ₹500 |
| ₹1001 - ₹10000 | ₹ 750 |
| ₹10000 - ₹25000 | ₹ 950 |
| ₹25001- ₹ 50000 | ₹ 1100 |
| ₹50000 and above | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 10 KrisFlyer Miles per ₹200 on Singapore Airlines Group
Covers spends on Singapore Airlines, Scoot, Pelago, Kris+ and KrisShop plus 8 KrisFlyer Miles per ₹200 on international spends and 6 Miles per ₹200 on other eligible spends
Enjoy 16 Complimentary Airport Lounge Visits Every Year
2 domestic lounge visits every quarter (8 per year) and 8 international lounge visits per year (max 2 per quarter) with complimentary Priority Pass membership worth $99
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