What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 9,999 + taxes. The Renewal Fee is Rs. 9,999 + taxes from second year onwards.

Can I use my card internationally?

Yes, you can use your KrisFlyer SBI Card APEX at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can withdraw cash from over 1 million MasterCard or Visa ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaMastercard

KrisFlyer SBI Card Apex

TravelSuper-premiumMastercardVisa✦ Singapore Airlines KrisFlyer

KrisFlyer SBI Card Apex

Fly free faster with zero annual charges and airline miles on every transaction

Annual fee₹0

Rewards1.50%3 KrisFlyer Mile per ₹200

Forex markup3.5%3.5% on all foreign currency transactions

View Offer Talk to OnePaisa

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

10,000 KrisFlyer Miles on payment of Annual Fees and first transaction

Type: Miles
Trigger: within 60 days
Partner: Singapore Airlines KrisFlyer

Rewards

Base earn rate

6 KrisFlyer Miles per ₹200 on other eligible spends

KrisFlyer

Category	Rate	Cap
Singapore Airlines Group	5 KrisFlyer Mile/₹100	—
International Spends	4 KrisFlyer Mile/₹100	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Additional 10,000 KrisFlyer Miles on annual spends of Rs. 5 lakhs Tier upgrade to KrisFlyer Elite Gold Membership on spends of Rs. 7.5 lakhs on Singapore Airlines (bookings made via Singapore Airlines App and Website) Additional 3,000 bonus KrisFlyer Miles on cumulative spend of Rs. 10 lakhs

Lounge access

Domestic

8visits / year

Max 2 per quarter

International

Priority Pass

8complimentary visits

Membership value USD 99

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹9,999 + taxes
Annual / renewal fee: ₹0
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300