KrisFlyer SBI Card Apex

The KrisFlyer SBI Card Apex represents the pinnacle of airline co-branded credit cards in India, created specifically for affluent international flyers and Star Alliance devotees. Boasting an annual fee of ₹9,999 + GST, the card immediately delivers 10,000 bonus KrisFlyer miles upon joining fee settlement. The earning velocity is aggressive: cardholders earn 10 KrisFlyer miles per ₹100 spent on Singapore Airlines and Scoot bookings, 5 miles per ₹100 on overseas spends and dining, and 2 miles per ₹100 on all other retail categories. Because KrisFlyer miles are directly credited to the user's Singapore Airlines account, there is zero conversion friction or haircut. Where the card truly differentiates itself is in airline tier fast-tracking. Reaching specified milestone spend tiers unlocks accelerated qualification for KrisFlyer Elite Gold status, conferring Star Alliance Gold privileges worldwide—including priority check-in, priority baggage handling, extra baggage allowance, and complimentary access to over 1,000 Star Alliance lounges globally regardless of ticket class. The card also bundles unlimited complimentary domestic airport lounge access for the primary cardholder alongside 8 complimentary international lounge visits annually via Priority Pass, backed by a reduced 2.00% foreign exchange markup. The primary constraint is its steep ₹9,999 non-waivable annual fee and Singapore Airlines network specificity. For domestic travelers or consumers flying varied Middle Eastern or European carriers without Singapore Airlines routing, the concentrated value proposition diminishes. Furthermore, KrisFlyer miles have a rigid 36-month expiry window that cannot be extended without fees. But for regular business and leisure passengers flying Singapore Airlines to Singapore, Australasia, and the Americas, the card easily pays for itself.

Additional Cardholder Privileges

Mandatory Verification Documents