KrisFlyer SBI Credit Card Review

29.07.2025 09:31 PM - Comment(s)

KrisFlyer SBI Credit Card

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 Credit Card Review
"Miles Beyond, Perks Within"

Introduction

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

Key Features and Benefits

Welcome Benefits

Get 3,000 KrisFlyer miles on payment of annual fees and first transaction within 60 days of card issuance.

Reward Structure

5 KrisFlyer miles per ₹200 spent on Singapore Airlines Group.
5 KrisFlyer miles per ₹200 on international spends.
2 KrisFlyer miles per ₹200 on other eligible spends.

Exclusion from the reward points program include Property Rental, Fuel and Wallet Upload.

Lounge Access

Enjoy 1 complimentary Domestic Airport Lounge visits every quarter.
Complimentary membership to the Priority Pass Program worth $99.
4 complimentary International Airport Lounge visits per year (max. 1 visit per quarter).

Only Primary Cardholders are eligible for Priority Pass and complimentary membership will be valid for 2 years only.

Insurance coverage

Air Accident cover of ₹1 Cr.

Baggage loss/ delay cover of ₹1 lac.
Fraud loss cover of ₹1 lac.

Milestone Benefits

Additional 3,000 KrisFlyer miles on Annual Spends of ₹3 Lacs as Milestone Rewards.
Tier upgrade to KrisFlyer Elite Silver membership on Spends of ₹2.5 lacs on Singapore Airlines.

Fuel Surcharge Waiver

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

Annual Fee

₹2,999 + taxes, with no waiver option.

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Card Essential

Type	Reward Points
Welcome Benefits	Get 3,000 KrisFlyer miles
Annual Fee	₹2,999 + GST
Reward Structure	Rewards On SPENDS
Renewal Benefit	----------

Rewards and Benefits Analysis

The KrisFlyer SBI Credit Card is ideal for frequent Singapore Airlines travelers, offering substantial rewards on Singapore Airlines bookings. However, its rewards rate for non-Singapore Airlines spends is relatively low, making it less appealing for general use.

Practical Considerations

While the card excels in travel-related benefits for Singapore Airlines loyalists, its high annual fee and limited rewards on other categories might deter casual users. Additionally, significant spending thresholds are required for elite status milestones.

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 co-branded card with Singapore Airlines.

Final Thoughts

The KrisFlyer SBI Credit Card offers a compelling package for Singapore Airlines loyalists, with its focused rewards and travel perks. However, its value is maximized by those who frequently fly with Singapore Airlines and 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 Credit Card 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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