KrisFlyer SBI Card Apex

Last Updated : July 14, 2025, 2:35 p.m.

The KrisFlyer SBI Card Apex is a premium co-branded credit card launched by SBI Card in partnership with Singapore Airlines. Tailored for frequent flyers, this card offers accelerated KrisFlyer miles, complimentary lounge access, elite status opportunities, and travel insurance benefits. It is an ideal option for individuals who frequently fly with Singapore Airlines or its group partners and want to elevate their travel experience with added luxury and value.

Key Highlights of the KrisFlyer SBI Card Apex

• Welcome Bonus : Get 10,000 KrisFlyer miles on your first transaction within 60 days of card issuance.
  
• Earn KrisFlyer Miles :
  
  • 10 miles per ₹200 spent on Singapore Airlines, Scoot, KrisShop, Kris+, and Pelago.
    
  • 8 miles per ₹200 spent on international (foreign currency) transactions.
    
  • 6 miles per ₹200 spent on eligible domestic transactions.
    
• Milestone Benefits :
  
  • 10,000 bonus miles on annual retail spends of ₹5 lakh.
    
  • Upgrade to KrisFlyer Elite Gold tier on spending ₹7.5 lakh on Singapore Airlines or its group platforms.
    
  • Additional 3,000 miles on reaching ₹10 lakh annual spend.
    
• Lounge Access :
  
  • 8 complimentary domestic airport lounge visits per year.
    
  • 8 complimentary international lounge visits via Priority Pass annually (2 per quarter).
    
• Travel Protection :
  
  • Air accident cover worth ₹3.5 crore.
    
  • Baggage delay/loss insurance up to ₹1 lakh.
    
  • Fraud liability coverage up to ₹10 lakh.
    
• Fuel Surcharge Waiver :
  
  • 1% fuel surcharge waiver on transactions up to ₹3,000 (max ₹250 per statement cycle).
    
• Annual Fee :
  
  • ₹9,999 + GST (no waiver available).

Who Should Consider the KrisFlyer SBI Card Apex?

The card is best suited for:

• Frequent flyers of Singapore Airlines and Scoot.
  
• Individuals who spend ₹5–10 lakh annually, especially on international travel.
  
• Travelers looking to unlock elite tier privileges like lounge access, priority boarding, and bonus baggage allowance.
  
• Those who want comprehensive travel insurance and concierge services with their credit card.

Comparison with Other Premium Travel Cards

How to Maximize the benefits of the KrisFlyer SBI Card Apex?

1. Use it for all Singapore Airlines and Scoot bookings to earn the highest mileage rate.
   
2. Plan international travel and forex spends to maximize the 8 miles/₹200 category.
   
3. Aim to hit milestone spends of ₹5 lakh and ₹10 lakh to unlock extra bonus miles and elite status upgrades.
   
4. Time your redemptions during KrisFlyer promotions to extract more value from your miles.
   
5. Pair with a flat cashback or general rewards card for excluded categories like fuel or rent.

Conclusion

The KrisFlyer SBI Card Apex stands out as a premier travel credit card designed for affluent flyers and loyal Singapore Airlines customers. With its high reward rates, generous travel privileges, and the ability to earn KrisFlyer Elite Gold status, it delivers tremendous value for the right user.

While the ₹9,999 fee may seem steep, the combination of miles, lounge access, milestone bonuses, and insurance can far outweigh the cost—provided you meet the spending thresholds. If your travel is frequent and primarily with Singapore Airlines or Scoot, this card can elevate your flying experience with premium perks and fast-tracked upgrades.

For broader international travel with multiple airlines, pairing this card with a more flexible miles program card like Axis Atlas may offer even greater benefits.