KrisFlyer SBI Card Apex
SBI Card · Checked 2026-10-09
KrisFlyer SBI Card Apex is a premium card built around travel benefits, flights and reward points, with a ₹9,999 annual fee before GST.
CardIQ editorial view
Our take
KrisFlyer SBI Card Apex is a premium card built around travel benefits, flights and reward points, with a ₹9,999 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise flights.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 KrisFlyer miles per ₹200 on Singapore Airlines Group; 8 on eligible international spends; 6 on other eligible spends.
- Miles are airline rewards with variable redemption value, not rupee cashback.
- Domestic and international lounge access has quarterly and yearly limits.
Trade-offs to understand
- Domestic and international lounge access has quarterly and yearly limits.
- The ₹9,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: Domestic and international lounge access has quarterly and yearly limits.
Compare before deciding
- Emirates Skywards ICICI Bank Emeralde — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
- Axis Bank MAGNUS — A higher-fee option to compare for broader benefits around airport lounge access and reward points.
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Benefits, limits and conditions
- Miles are airline rewards with variable redemption value, not rupee cashback.
- Domestic and international lounge access has quarterly and yearly limits.