Compare Emirates Skywards ICICI Bank Emeralde and KrisFlyer SBI Card Apex on annual fees, joining fees, rewards, benefits and important limitations.
ICICI Bank
2 Skywards miles per ₹100 on eligible domestic and international purchases
Annual fee: ₹10,000 + GST
Joining fee: ₹10,000 + GST
Network: Issuer-selected variant
Emirates Skywards ICICI Bank Emeralde is a premium card built around travel benefits, flights and airport lounge access, with a ₹10,000 annual fee before GST.
SBI Card
10 KrisFlyer miles per ₹200 on Singapore Airlines Group; 8 on eligible international spends; 6 on other eligible spends
Annual fee: ₹9,999 + GST
Joining fee: ₹9,999 + GST
Network: Mastercard
KrisFlyer SBI Card Apex is a premium card built around travel benefits, flights and reward points, with a ₹9,999 annual fee before GST.
Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.