KrisFlyer SBI Card Apex

Renewal fee

₹9,999 plus applicable taxes.

VerifiedMost Important Terms & Conditions (MITC) – Common to All SBI Cards·4 Aug 2026, 8:15 PM IST·SBI Card

Redemption value

• KrisFlyer miles are valid for 3 years from the date of receipt.
• Credit or non-receipt of Reward points on KrisFlyer SBI Card Apex may only be disputed within 6 months from the date of transaction.
• On voluntary closure, accumulated KrisFlyer miles can be redeemed within 30 days of closure, otherwise they lapse.

VerifiedKrisFlyer SBI Card FAQs / Program Terms (KrisFlyer Miles Earning & Redemption)·4 Aug 2026, 8:15 PM IST·SBI Card

Reward cap

KrisFlyer miles can only be accumulated for a period of 36 months from the date of the accrual under the program.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Reward exclusion

VerifiedKrisFlyer SBI Card FAQs / Program Terms (KrisFlyer Miles Earning & Redemption)·4 Aug 2026, 8:15 PM IST·SBI Card

Lounge access

• 8 complimentary visits per year at Domestic Priority Pass Lounges (within India), 8 complimentary visits at International Priority Pass Lounges (within India) and 8 complimentary visits at International Priority Pass Lounges (outside India) for the primary cardholder.
• Beyond complimentary visits, USD 27 + applicable taxes per visit (visit and guest).
• Priority Pass membership valid 24 months from date of issue.
• Complimentary visits using Priority Pass Card plastic apply only to international lounges outside India and for primary cardholders only.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Travel benefit

• Travel covers (Travel Insurance): Loss of Check-in baggage ₹82,500.
• Delay of Check-in baggage ₹17,500 (delay of more than 12 hours from scheduled arrival).
• Claim to be intimated to ICICI Lombard within 30 days of incidence.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Welcome benefit

KrisFlyer miles earned on Welcome Offer credited on payment of joining fee and 1st transaction within 60 days of card issuance (threshold not stated on official source beyond first transaction; miles credited to KrisFlyer account).

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Insurance

Fraud Liability Cover up to ₹10 lakh for financial loss due to fraudulent usage (Lost Card, Counterfeiting/Skimming/Phishing and Online Fraud Protection; reporting period 3 days pre-reporting and 7 days post-reporting), insured by ICICI Lombard General Insurance Ltd. Only chip & pin-based cards covered.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Eligibility

• Active KrisFlyer Membership account is a pre-requisite for issuance of KrisFlyer SBI Card APEX and for transfer of accumulated KrisFlyer miles.
• Add-on cards can be issued to spouse, parents, siblings and children over 18 years of age.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Forex markup

• Foreign Currency Transaction fee: 3.50% (KrisFlyer SBI Card Apex is not in the ELITE & AURUM exception category).
• Dynamic & Static Currency Conversion Markup Fee: 3.50% charged on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Charge

• Finance Charges: up to 3.50% per month (42% per annum) from transaction date.
• Minimum Finance Charge ₹25.
• Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
• Cash Payment fee: ₹250.
• Payment Dishonor Fee: 2% of Payment Amount (min ₹500).
• Cheque Payment Fee: ₹100.
• Card Replacement Fee: ₹100 - ₹250 (₹1,500 for Aurum).
• Emergency Card Replacement (abroad): actual cost (min USD 175 for VISA & USD 148 for Master Card).
• Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher.
• Rewards Redemption Fee: ₹99.
• Processing Fee on all Rent Payment Transactions: ₹199.
• Add on Fee: Nil.
• Late Payment Charges: NIL up to ₹500.
• ₹400 (>₹500 up to ₹1,000).
• ₹750 (>₹1,000 up to ₹10,000).
• ₹950 (>₹10,000 up to ₹25,000).
• ₹1,100 (>₹25,000 up to ₹50,000).
• ₹1,300 (>₹50,000).
• Additional Late Payment Charge of ₹100 on missing MAD for two consecutive cycles.
• Railway Ticket surcharge ₹30 + 2.5% at counters.
• Petrol surcharge 1% + taxes.
• Payment of Customs duty 2.25% (min ₹75).

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver across all Petrol Pumps in India on fuel transaction amount ranging from ₹500 to ₹4,000.
• Maximum surcharge waiver of ₹250 per billing statement, per credit card account.

VerifiedKrisFlyer SBI Card FAQs / Program Terms (KrisFlyer Miles Earning & Redemption)·4 Aug 2026, 8:15 PM IST·SBI Card

Interest-free period

• Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
• Not applicable if the previous month's balance has not been cleared in full or if the Cardholder has availed of cash from any ATM.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Transfer partner

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card

Transfer rule

• KrisFlyer miles are transferred to the KrisFlyer membership account on statement cycle date.
• All Miles transfers are final and cannot be reversed or refunded.
• Reward points transferred only if reward balance > 0.
• Credit or non-receipt of reward points may be disputed within 6 months from transaction date.

VerifiedKrisFlyer SBI Card Apex – Terms & Conditions (Card-Specific)·4 Aug 2026, 8:15 PM IST·SBI Card