Cards · SBI Card

KrisFlyer SBI Card Apex: rewards, caps and exclusions

The KrisFlyer SBI Card Apex pays about 2.5% on Spends on Singapore Airlines, and 1.5% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

₹9,999 a yearPaid in miles

What it earns

≈2.5%Spends on Singapore Airlinesno cap stated

≈2%International Spendsno cap stated

≈1.5%Everything elseno cap stated

≈ marks a rate paid in miles, valued at ₹0.5 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Rent
Utility bills
Telecom bills
Government payments
Cash withdrawals and fees
EMI conversions

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payment Fee
1% on Fee on Education Payment Transactions (third-party apps only)

Milestones

In SBI Card's own words:

"Additional 10,000 KrisFlyer Miles on annual spends of Rs. 5 lakhs" → 10,000 KrisFlyer miles
"Additional 3,000 Bonus KrisFlyer miles on cumulative spend of Rs. 10 lakhs" → 3,000 KrisFlyer miles
"Tier upgrade to KrisFlyer Elite Gold Membership on spends of Rs. 7.5 lakhs on Singapore Airlines (bookings made via Singapore Airlines App and Website)" → KrisFlyer Elite Gold

Fees

Annual fee: ₹9,999, plus 18% GST
Joining fee: ₹9,999

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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