KrisFlyer SBI Card Apex

Renewal fee

₹9,999 a year.

Joining fee

₹9,999 to join.

Add-on card fee

₹0

Welcome benefit

10,000 KrisFlyer Miles on payment of Annual Fees and first transaction within 60 days of card issuance

Reward rate

6 KrisFlyer Miles per ₹200 · everyday spends6 KrisFlyer Miles per ₹200 on other eligible spends.

Reward earning on international spends

8 KrisFlyer Miles per ₹200 on international spends.

Travel earning

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

Airline and hotel partners points may move to

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

International lounge access

8 complimentary International Airport Lounge visits per year (max. 2 visit per quarter)

Domestic lounge access

2 complimentary Domestic Airport Lounge visits every quarter.

Priority Pass

Complimentary membership to the Priority Pass Program worth $99.

Milestone benefits

Additional 10,000 KrisFlyer Miles on annual spends of ₹5 lakhs.

Membership tiers and what unlocks them

Tier upgrade to KrisFlyer Elite Gold Membership on spends of ₹7.5 lakhs 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 ₹10 lakhs.

Travel insurance

Baggage loss / delay cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for your 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 APEX at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs with Flexipay EMI, applicable on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

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

Interest on unpaid balance

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

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

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) at International ATMs

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

Rent transaction fee

₹199

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