KrisFlyer SBI Card
The KrisFlyer SBI Card is the ₹2,999 mid-tier version of SBI's Singapore Airlines co-brand. It earns 5 KrisFlyer Miles per ₹200 on Singapore Airlines Group and international spends and 2 per ₹200 elsewhere, with miles credited straight to your KrisFlyer account on the statement date. A 3,000-mile welcome, a further 3,000 at ₹3 lakh spend and a fast-track to KrisFlyer Elite Silver on just ₹2.5 lakh of Singapore Airlines spend make status attainable. It includes 4 domestic lounge visits plus complimentary Priority Pass with 4 international visits a year, baggage and fraud insurance, and a 1% fuel surcharge waiver.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,500 in vouchers, points or cashback on card activation
️ 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
1 complimentary visits per quarter at domestic and international airport lounges
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.
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | airline miles | 1.25% | — |
| Other | airline miles | 0.5% | — |
Fees & charges
| 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.
milestone bonus ~ ₹1,500 /yr
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.
️ lounge access ~ ₹6,000 /yr
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.
fuel waiver ~ ₹2,000 /yr
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.
️ insurance ~ ₹2,000 /yr
Baggage loss/delay cover of Rs.1 lakh and fraud loss cover of Rs.1 lakh.
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
- 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
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed
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.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern 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.
The bottom line
At ₹2,999, the standard KrisFlyer SBI Card delivers an accessible co-branded option featuring competitive earning rates on Singapore Airlines and international spending, direct KrisFlyer mile crediting, and an easily attainable Elite Silver spend tier. While frequent Singapore Airlines flyers will benefit more from the Apex variant and non-frequent travellers may prefer general rewards cards, this card hits a practical sweet spot for moderate international travellers.
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 verified 5 Aug 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.
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 · 2 changes · last change Nov 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 1 change — 1 cut
▼ Redemption Observed 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 1 change — 1 neutral
◆ Launch Effective 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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Quick summary
Type Premium credit card
Reward rate 0.5%–1.25%
Best for Occasional Singapore Airlines flyers
Joining fee ₹2,999
Annual fee ₹2,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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