In-depth review
KrisFlyer SBI Card
The ₹2,999 mid-tier KrisFlyer co-brand: 5 miles per ₹200 on Singapore Airlines and international spends, miles credited straight to KrisFlyer, a 3,000-mile welcome and an easy fast-track to Elite Silver. A reasonable pick for occasional SIA flyers who want to build KrisFlyer Miles without the Apex's ₹9,999 fee.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
1.25% on International
5 KrisFlyer Miles per Rs.200 on international spends
0.5% on Other
2 KrisFlyer Miles per Rs.200 on other eligible spends, INCLUDING domestic travel that is not a Singapore Airlines Group ticket. SBI's accelerated rate is scoped to SIA spends only, which no spend category can express, so it is described in prose and not scored. Miles expire 36 months after accrual
Airport Lounge Access
Complimentary: 4 domestic airport lounge visits a year (1 a quarter) and 4 international (1 a quarter)
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
Insurance Cover
Baggage loss/delay cover of Rs.1 lakh and fraud loss cover of Rs.1 lakh.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
Priority Pass
International lounges
₹6,000
Estimated annual value
3.5%
Forex markup
- Domestic + international airport lounge access (4 domestic visits/yr, worth ~₹6,000)
- Travel insurance cover included
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹1,500
Milestone bonus value
- Travel insurance and accident cover
- 3,000 bonus KrisFlyer Miles at Rs.3 lakh of annual spend. Separately, a tier upgrade to KrisFlyer Elite Silver on Rs.2.5 lakh of Singapore Airlines spend.
For the occasional Singapore Airlines flyer who wants to accumulate KrisFlyer Miles and reach Elite Silver without paying the Apex's ₹9,999 fee.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.50. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | airline miles | 1.25%2.5 pts/₹100 × ₹0.50 | — |
| Other | airline miles | 0.5%1 pts/₹100 × ₹0.50 | — |
International: 5 KrisFlyer Miles per Rs.200 on international spends
Other: 2 KrisFlyer Miles per Rs.200 on other eligible spends, INCLUDING domestic travel that is not a Singapore Airlines Group ticket. SBI's accelerated rate is scoped to SIA spends only, which no spend category can express, so it is described in prose and not scored. Miles expire 36 months after accrual
Earns nothing on: Fuel · Wallet Loads · Rent · Utility Bills · Government & Tax · Cash Advances · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹11,500/yr in total.
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India; maximum waiver Rs.250 per statement cycle.
Baggage loss/delay cover of Rs.1 lakh and fraud loss cover of Rs.1 lakh.
4 complimentary domestic lounge visits a year (1 per quarter) plus Priority Pass (worth $99) with 4 international visits a year (max 1 per quarter). Membership is primary-cardholder only and complimentary for 2 years; a $27 usage fee applies per visit beyond the quota.
3,000 bonus KrisFlyer Miles at Rs.3 lakh of annual spend. Separately, a tier upgrade to KrisFlyer Elite Silver on Rs.2.5 lakh of Singapore Airlines spend.
Spend milestone
- ₹3,00,000 a year₹1,500 of value
Should you get it?
- Best for: Occasional Singapore Airlines flyers, Travellers wanting a mid-tier KrisFlyer earner, Those chasing KrisFlyer Elite Silver status, International spenders wanting Priority Pass
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on International (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 5 KrisFlyer Miles per Rs.200 on Singapore Airlines and international spends
- Miles credit directly to your KrisFlyer account with no conversion step
- Fast-track to KrisFlyer Elite Silver on just Rs.2.5L of Singapore Airlines spend
- Priority Pass with international lounge visits at a mid-tier fee
✕ Cons
- Only 2 miles per Rs.200 on everyday domestic spends — including domestic travel, since the accelerated rate applies to Singapore Airlines tickets only
- Fuel, wallet loads, rent, utilities, government payments, cash advances and EMI earn nothing
- The Priority Pass membership is complimentary for 2 years only, and primary-cardholder only
- Rs.2,999 annual fee with no renewal-fee waiver
- Value depends on flying Singapore Airlines or Star Alliance
- International lounge visits limited to 4 a year
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁KrisFlyer Miles auto-credit to your KrisFlyer account on the statement date
- 🎁Redeem miles for Singapore Airlines and Star Alliance award flights and upgrades
- 🎁Use miles for cabin upgrades and KrisFlyer partner redemptions
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The 2-mile base rate on everyday domestic spends is low, the ₹2,999 fee has no renewal waiver, and value depends on flying Singapore Airlines or Star Alliance.
Frequently asked questions
How does the KrisFlyer SBI Card earn?
What is the welcome benefit?
Does it help with Singapore Airlines status?
What lounge access is included?
How has the KrisFlyer SBI Card changed over time?
Has the KrisFlyer SBI Card been devalued recently?
The bottom line
A sensible mid-tier co-brand with decent earning on SIA and international spends, a low Elite Silver threshold and miles that land straight in your KrisFlyer account, all for ₹2,999. Fly SIA a lot and the Apex earns more; fly it rarely and a flexible card fits better — but for the traveller in between, this hits the mark.
How this page was built
Counted from this card’s own record: 2 earn rules, the spends listed as earning nothing and 4 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the KrisFlyer SBI Card are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
KrisFlyer SBI Card
The ₹2,999 mid-tier KrisFlyer co-brand: 5 miles per ₹200 on Singapore Airlines and international spends, miles credited straight to KrisFlyer, a 3,000-mile welcome and an easy fast-track to Elite Silver. A reasonable pick for occasional SIA flyers who want to build KrisFlyer Miles without the Apex's ₹9,999 fee.
KrisFlyer SBI Card Apex
A ₹9,999 super-premium co-brand built for Singapore Airlines loyalists: 10 KrisFlyer Miles per ₹200 on SIA, miles credited straight to your KrisFlyer account, a 10,000-mile welcome and a fast-track to Elite Gold status. Powerful for frequent SIA flyers, hard to justify for anyone else.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Nov 2025
2025
- ▼ RedemptionObserved 25 Aug 2025 · Effective 1 Nov 2025
KrisFlyer miles devalued
Singapore Airlines raised KrisFlyer redemption and upgrade award prices from 1 November 2025 — its first adjustment since July 2022. Saver awards rose about 5% across most regions (10-20% for Africa, the Middle East and Turkey), trimming the realised value of the miles this card earns. Award bookings ticketed before the date were unaffected, and the card's own earn rates and fees did not change.
Verification: CardAdvisor Research · Confidence: High
2024
- ◆ LaunchEffective 30 Sept 2024
KrisFlyer SBI Card launches
SBI Card and Singapore Airlines launched the KrisFlyer SBI Card — the airline's first India co-brand — at a Rs.2,999 annual fee. It earns 5 KrisFlyer Miles per Rs.200 on Singapore Airlines Group and international spends (2 per Rs.200 otherwise), with a 3,000-mile welcome, 3,000 more at Rs.3L annual spend, an Elite Silver fast-track at Rs.2.5L of SIA spend, and 4 domestic plus 4 international lounge visits a year.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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