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KrisFlyer SBI Card Apex

Experience Travel Your Way

Annual fee
₹9,999
Forex markup
Lounges (Dom/Intl)
8 / 8
Welcome benefit
₹10,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.75% travel · 0.75% dining · 0.75% base.

Net steady-state return
₹4,500 /year
0.75% effective · fee waived
Annual reward earned₹4,500
Welcome benefit (year 1)One-time₹10,000
Annual fee₹0 (waived)
Joining fee (year 1 only)−₹9,999
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs MARQUÉE Credit Card

At ₹50,000/month with 15% travel and 10% dining.

Metric
KrisFlyer SBI Card Apex
MARQUÉE Credit Card
Annual fee
₹9,999
₹9,999
Annual reward
₹4,500
₹10,800
Net /year (steady)
₹4,500
₹801
Forex markup
1%

Tools for KrisFlyer SBI Card Apex holders

Frequently asked

Is the KrisFlyer SBI Card Apex worth the ₹9,999 fee?

It depends on your spend. The KrisFlyer SBI Card Apex earns 0.75% base reward and waives the annual fee at ₹5,00,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for KrisFlyer SBI Card Apex?

SBI hasn't published a hard minimum income for KrisFlyer SBI Card Apex. Approval depends on credit score, existing relationship, and employment type.

Verified todaylikelySource: www.sbicard.com

Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.