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KrisFlyer SBI Card Apex VS KrisFlyer SBI Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026
KrisFlyer SBI Card Apex
KrisFlyer SBI Card Apex
KrisFlyer SBI Credit Card
KrisFlyer SBI Credit Card

Fees & Charges

Joining Fee₹9,999 + GST
Joining Fee₹2,999 + GST
Renewal Fee₹9,999 + GST
Renewal Fee₹2,999 + GST
Spend Based Waiver
Spend Based WaiverNot applicable for fee waiver.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome BonusReceive 10,000 KrisFlyer Miles upon joining fee realization and first transaction within 60 days.
Welcome BonusReceive 3,000 KrisFlyer Miles upon paying joining fees and first transaction within 60 days.
Rewards RateEarn 10 KrisFlyer Miles per ₹200 on Singapore Airlines Group, 8 on international, 6 on other spends.
Rewards RateEarn 5 KrisFlyer Miles per ₹200 on Singapore Airlines Group & international spends; 2 Miles per ₹200 on other spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge visits each quarter (8 annually).
Domestic Lounge Access1 free domestic airport lounge visit each quarter (4 annually).
International Lounge Access8 complimentary international airport lounge visits per year (max 2 per quarter).
International Lounge Access4 complimentary international airport lounge visits per year (maximum 1 visit per quarter).
Travel BenefitsComplimentary Priority Pass membership for 2 years, additional baggage allowance, priority check-in/boarding on Singapore Airlines.
Travel BenefitsComplimentary Priority Pass membership, 1 free domestic lounge visit quarterly, 4 international lounge visits annually.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, max ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹500-₹4,000; max waiver ₹250 per statement cycle.

Security & Other

Insurance BenefitsBaggage Loss/Delay Cover up to ₹1 Lakh, Fraud Loss Cover up to ₹10 Lakh.
Insurance BenefitsBaggage Loss/Delay Cover: ₹1 Lakh; Fraud Loss Cover: ₹1 Lakh.
Cash Advance Charges2.5% of advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

KrisFlyer SBI Card Apex

KrisFlyer SBI Credit Card

Who is it for?

The KrisFlyer SBI Card Apex is a super-premium credit card designed for high-income individuals with frequent travel needs, especially those flying with Singapore Airlines Group. It offers a compelling reward rate of 10 KrisFlyer Miles per ₹200 spent on Singapore Airlines Group, a valuable tier upgrade to KrisFlyer Elite Gold Membership upon achieving specific spend milestones, and extensive complimentary access to both domestic and international airport lounges. Available in American Express and Mastercard variants, it caters to global travelers seeking premium rewards and benefits.

Who is it for?

The KrisFlyer SBI Credit Card, issued by SBI Card, is positioned as a mid-range offering designed for KrisFlyer members. It is ideal for individuals seeking benefits with KrisFlyer without significant spending. This card offers high rewards, including 5 KrisFlyer Miles per ₹200 spent on the Singapore Airlines Group and international transactions. Key differentiating benefits include complimentary Priority Pass membership, access to both domestic and international airport lounges, and a welcome bonus of 3,000 KrisFlyer Miles.

Pros

Key benefits and features.

Generous domestic and international lounge visits, plus complimentary Priority Pass membership.

Attractive milestone benefits include up to 13,000 KrisFlyer Miles and Elite Gold membership.

High reward rate of 10 KrisFlyer Miles per ₹200 on Singapore Airlines Group spends.

Pros

Key benefits and features.

It is an affordable co-branded credit card for Singapore Airlines, compared to the KrisFlyer SBI Apex Credit Card.

Offers a high reward rate on flight bookings and beneficial insurance covers.

Includes complimentary airport lounge visits (domestic and international).

Cons

Key drawbacks and limitations.

The card carries a high annual fee of ₹9,999, which may not be justified for all users.

Lacks holistic rewards like dining and entertainment, focusing almost exclusively on travel.

A significant drawback is the absence of renewal benefits from the second year onwards.

The 3.5% foreign currency markup is standard but could be lower for a super-premium card.

Cons

Key drawbacks and limitations.

Benefits are primarily tailored for flights and bookings with Singapore Airlines.

No renewal benefits are offered, making it potentially less rewarding after the first year.

The annual fee is not waived based on spending, unlike many other credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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