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SBI Card · Mastercard / American Express (subject to issuance)

KrisFlyer SBI Card

Earn Singapore Airlines KrisFlyer miles directly, with airline and overseas accelerators, annual milestones and capped lounge visits.

KrisFlyer SBI Card original issuer card artwork

Airline / overseas

5 KrisFlyer miles per ₹200 eligible spend

Everyday

2 miles/₹200 eligible purchases

Milestone

3,000 bonus miles at ₹3 lakh/year

Lounges

4 domestic + 4 international/year; 1 each/quarter

KrisFlyer earning

5 KrisFlyer miles/₹200 on eligible Singapore Airlines Group and international spending; 2 miles/₹200 on other eligible purchases. These are airline miles, not a fixed cashback percentage.

Welcome & milestones

3,000 welcome miles after fee payment and first transaction within 60 days. Another 3,000 miles at ₹3 lakh qualifying annual spend; Elite Silver opportunity at ₹2.5 lakh direct Singapore Airlines spend.

Airport lounges

4 domestic lounge visits/year, maximum one/quarter, plus 4 international Priority Pass visits/year, maximum one/quarter. Primary-card membership and lounge rules apply; not unlimited access.

KrisFlyer SBI Card: fees & key facts

KrisFlyer SBI Card credit card fees and key facts
Fees & eligibilityJoining/annual fee ₹2,999 + applicable taxes; renewal ₹2,999 + taxes. No standard spend-based renewal waiver is published. Active KrisFlyer membership and issuer approval required.
Earning5 miles/₹200 on eligible Singapore Airlines Group and international purchases; 2/₹200 on other eligible spending. Merchant/channel identification and exclusions apply; no invented rupee value per mile.
Welcome3,000 KrisFlyer miles after payment of joining fee and first transaction within 60 days. Issuer processing timelines apply.
Annual milestones3,000 bonus miles at ₹3 lakh qualifying spend in the account-anniversary year. Elite Silver upgrade at ₹2.5 lakh eligible Singapore Airlines bookings through its website/app; not general travel spending or automatic Gold.
Lounges4 domestic visits/year, maximum 1/quarter. 4 international visits/year via Priority Pass, maximum 1/quarter. Complimentary Priority Pass membership is for the primary cardholder and valid 2 years; guests and additional visits can be charged.
Miles credit & redemptionMiles transfer automatically to the linked KrisFlyer account at statement cycle. Transfers are final, not a choice of multiple airline/hotel programmes. Redeem under Singapore Airlines award availability, taxes and loyalty terms.
ExpiryBooklet states KrisFlyer miles valid for 3 years from receipt. Check programme-specific expiry and any status exceptions in your KrisFlyer account.
Excluded spendingFuel (5172, 5541, 5542, 5983), wallets (6540, 6541), rent/property management (6513, 7349), utilities (4900, 4814, 4899, 9399), government (9311, 9399), school/education (8211, 8241, 8244, 8249, 8299), insurance (5960, 6300, 6380), cash, financial charges, disputed transactions and Encash do not earn miles.
Fuel surcharge1% waiver for ₹500–₹4,000 fuel purchases, maximum ₹250 per statement cycle. Fuel earns no miles.
International costs5 miles/₹200 does not mean zero forex. Standard SBI foreign-currency charges apply under the current MITC; compare charges and taxes against the value of miles actually redeemed.

Public issuer terms checked 25 October 2026.

Checked public issuer product and linked terms on 15 October 2026. Standard card, not Apex. Visible booklet page 33 reward exclusions reviewed because the MCC table is absent from extracted text. No signed-in application, real reward credit or redemption transaction was performed. Accepted offer, merchant coding and current account-specific terms apply.

KrisFlyer SBI standard card current productKrisFlyer standard card booklet — October 2025SBI current MITC and renewal fee tableSingapore Airlines India co-brand programme

Who should get it

The standard KrisFlyer card suits Singapore Airlines loyalists who can use airline miles and the annual milestone. It is distinct from Apex, which has different fees and earning rates.

Compare award availability, taxes, expiry and foreign-currency charges before valuing the miles. Government and utilities are expressly excluded in the current cardholder booklet.

Reward exclusions

Transactions that do not earn KrisFlyer miles

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel MCCs 5172, 5541, 5542, 5983
  • Wallets 6540/6541 and rent/property management 6513/7349
  • School/education MCCs 8211/8241/8244/8249/8299 and insurance MCCs 5960/6300/6380
  • Utilities 4900/4814/4899/9399 and government/tax 9311/9399
  • Cash advances, financial charges, disputed transactions and Encash

Reviewed the visible rewards table on booklet page 33: text extraction omits its MCC table, so the rendered page was checked. Eligible earning is separate from fee-waiver or milestone qualification; no tax/utility reward promise.

Checked 25 October 2026KrisFlyer SBI standard card current productKrisFlyer standard card booklet — October 2025SBI current MITC and renewal fee table

KrisFlyer SBI Card FAQs

Is this the KrisFlyer SBI Card Apex?

No. This is the standard ₹2,999 + tax card with 5/₹200 airline/international and 2/₹200 eligible base earning. Apex has different benefits and fees.

Can miles be transferred to several airline partners?

No discretionary partner catalogue is claimed. Miles credit automatically to your linked Singapore Airlines KrisFlyer account each statement cycle.

Is ₹3 lakh spending an annual fee waiver?

No. It earns 3,000 bonus KrisFlyer miles on qualifying annual spending; the standard renewal fee remains ₹2,999 plus taxes.

Do tax and utility payments earn miles?

No. The cardholder booklet excludes utility MCCs and government MCCs including tax MCC 9311. Fuel, wallets and rent are also excluded.

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