KrisFlyer SBI Card Apex Review

20.06.2025 03:45 PM - Comment(s)

KrisFlyer SBI Card Apex

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

KrisFlyer SBI Card Apex Review
"Luxury in the Skies, Rewards on the Ground"

Introduction

The KrisFlyer SBI Card Apex is a premium co-branded credit card designed for frequent travelers of Singapore Airlines. It offers a range of exclusive benefits, including accelerated rewards on Singapore Airlines bookings, comprehensive lounge access, and enhanced travel insurance coverage. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Welcome Benefits

Receive 10,000 KrisFlyer miles upon paying the joining fee and completing the first transaction within 60 days of card issuance.

Reward Structure

Earn 10 KrisFlyer miles per ₹200 spent on Singapore Airlines Group bookings, offering a high reward rate of approximately 5%.
Earn 8 KrisFlyer miles per ₹200 on international spends, and 6 miles on other retail purchases.

Lounge Access

Enjoy 8 complimentary domestic and 8 international airport lounge visits annually, with a maximum of 2 visits per quarter for each type.

Milestone Benefits

Earn an additional 10,000 KrisFlyer miles on achieving an annual spend of ₹5 lakh.
Upgrade to KrisFlyer Elite Gold membership on spending ₹7.5 lakh on Singapore Airlines bookings.
Receive 3,000 bonus KrisFlyer miles on reaching an annual spend of ₹10 lakh.

Insurance Coverage

Air accident cover of ₹3.5 crore.

Baggage loss/delay cover of ₹1 lakh.
Fraud liability cover of ₹10 lakh.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions up to ₹3,000, with a maximum waiver of ₹250 per statement cycle.

Annual Fee

₹9,999 + GST, with no waiver option.

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Card Essential

Type	Reward Points
Welcome Benefits	Get 1,499 NeuCoins (1st-year fee back) on your first Tata Neu App transaction within 30 days (claimable in 60 days).
Annual Fee	₹ 1,499 + GST (waived on spending 1 lakh annually)
Reward Structure	Cashback on online shopping
Renewal Benefit	Spend 3 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The KrisFlyer SBI Card Apex is ideal for frequent Singapore Airlines travelers, offering substantial rewards on Singapore Airlines bookings and comprehensive lounge access. The milestone benefits provide additional value for high spenders, making it appealing for those who can meet the spending thresholds.

Practical Considerations

While the card excels in travel-related benefits for Singapore Airlines loyalists, its high annual fee and limited rewards on non-travel spends might deter casual users. Additionally, the forex markup fee of 3.5% can reduce the net return on international transactions.

Redemption Options

KrisFlyer miles can be redeemed for flights, upgrades, and shopping on KrisShop.com, providing flexibility for frequent travelers.

Ideal User Profile

This card is best suited for

Frequent Singapore Airlines flyers
Those who prioritize travel-related benefits and loyalty programs
Individuals looking for a premium co-branded card with Singapore Airlines

Final Thoughts

The KrisFlyer SBI Card Apex offers a compelling package for Singapore Airlines loyalists, with its focused rewards and travel perks. While it may not be ideal for everyone due to its high annual fee, its value is maximized by frequent travelers who can fully utilize its benefits.

Additional Tips for Potential Applicants

Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize spends on Singapore Airlines bookings to get the most out of the rewards.
Redemption: Opt for flight redemptions or upgrades for the best redemption value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the KrisFlyer SBI Card Apex aligns with their

travel habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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