KrisFlyer SBI Card

Renewal feeJoining fee

₹2,999 + GST

Add-on card fee

₹0

Welcome benefit

3,000 KrisFlyer Miles on payment of Annual Fees and first transaction within 60 days of card issuance

Reward rate

2 KrisFlyer Miles per ₹200 · everyday spends2 KrisFlyer Miles per ₹200 on other eligible spends.

Reward earning on international spends

5 KrisFlyer Miles per ₹200 on international spends.

Travel earning

5 KrisFlyer Miles per ₹200 spent on Singapore Airlines Group.

Reward exclusions

Reward Points are not applicable on some spend categories

Points transfer redemptionAirline and hotel partners points may move to

Miles are automatically credited to your KrisFlyer Account on the statement date.

International lounge access

4 complimentary International Airport Lounge visits per year (max. 1 visit per quarter)

Domestic lounge access

1 complimentary Domestic Airport Lounge visit every quarter.

Priority Pass

Complimentary membership to the Priority Pass Program worth $99.

Milestone benefits

Additional 3,000 KrisFlyer Miles on annual spends of ₹3 lakhs.

Membership tiers and what unlocks them

Tier upgrade to KrisFlyer Elite Silver Membership on spends of ₹2.5 lacs on Singapore Airlines (bookings made via Singapore Airlines App and Website)

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Lost card liability

Fraud loss cover of ₹1 lakh.

Travel insurance

Baggage loss / delay cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks' credit cards to your KrisFlyer SBI Card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay EMI: convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash advance interest

3.75% p.m. (45% p.a.) for unsecured cards.

Cash withdrawal limit

Max. ₹15,000 per day on ATM withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

The current rate of finance charges is upto 3.75% per month [45% per annum] from the transaction date and is subject to change at the discretion of SBI Cards & Payment Services Limited (SBICPSL).

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil to ₹1,300 by amount due (₹1,300 above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200 plus applicable taxes

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

EMI conversion fee

1% of the booking amount or ₹2,000 whichever is less.

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500)

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

What the card's fee or benefit year means

Annual fee at the prevailing rate will be levied upon opening of the Card Account and then annually during the month in which the Card Account was originally opened.

Fuel transaction fee

Petrol & all products/services sold at petrol pumps: 1% of transaction amount + all applicable taxes; fuel surcharge is levied by the acquiring bank providing the terminal to the merchant

Rent transaction fee

₹199 processing fee on all rent payment transactions.

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

Other than “Haryana” - Integrated Tax @ 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding

Minimum age

Minimum 21 years