KrisFlyer SBI Credit Card: A Guide

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

7 Jan 26
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Shreyansh Singh

08 Mins
07-01-26

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Table of Contents

KrisFlyer SBI Card Benefits
Common Features of the KrisFlyer SBI Card
Applicable Fees and Charges of the KrisFlyer SBI Card
Who Should Get a KrisFlyer SBI Card?
Conclusion

The KrisFlyer SBI Card earns up to 5 KrisFlyer miles per ₹200 on international and Singapore Airlines spends.
Miles are credited directly to your KrisFlyer account, simplifying redemptions.
Complimentary domestic and international lounge access enhances travel comfort.
Milestone spends unlock bonus miles and KrisFlyer Elite Silver status.
Best suited for frequent international travellers and Singapore Airlines flyers.

If your wallet travels as much as you do, the KrisFlyer SBI Card fits right in! Designed for frequent flyers, this SBI card converts your spending into KrisFlyer miles. You earn 5 KrisFlyer miles for every ₹200 spent internationally and 2 miles per ₹200 on other eligible purchases.

These miles are credited directly to your KrisFlyer Membership account and can be redeemed for Singapore Airlines flight bookings. From international purchases to everyday spending, each swipe helps you move closer to your next trip.

KrisFlyer SBI Card Benefits

Welcome Bonus

As a welcome benefit, cardholders can earn 3,000 KrisFlyer miles by paying the annual fee and completing their first transaction within 60 days of card issuance. These bonus miles are automatically credited to the KrisFlyer Membership account on the statement date.

KrisFlyer Miles

You receive 5 KrisFlyer miles for every ₹200 spent on Singapore Airlines Group and other international purchases. On all other general expenses, you earn 2 KrisFlyer miles for every ₹200 spent, excluding property rentals, fuel transactions and wallet uploads.

Lounge Benefits

The KrisFlyer SBI card lounge access offer includes 4 complimentary international airport lounge visits annually, limited to one per quarter, along with a free Priority Pass membership worth $99. In addition, the card offers 4 complimentary domestic lounge visits every year.

Milestone Rewards

Earn an additional 3,000 KrisFlyer miles when your annual spends reach ₹3 lakh, with the miles credited to your KrisFlyer account on the statement date.

Further, spend ₹2.5 lakh on Singapore Airlines bookings made via the airline’s app or website and enjoy an automatic upgrade to KrisFlyer Elite Silver membership.

Common Features of the KrisFlyer SBI Card

The KrisFlyer SBI card comes with the “Wave and Pay” feature for convenient payments. However, this feature is limited to a maximum spend of ₹5,000.
Cash withdrawal facility is available at over 1 million MasterCard or Visa ATMs around the world.
Use the “Easy Bill Pay” facility on your KrisFlyer SBI card to seamlessly pay your utility bills.
Use the Flexipay Feature to pay your last 30 days' bill in flexible instalments at attractive interest rates.

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Applicable Fees and Charges of the KrisFlyer SBI Card

Charges	Amount
Joining / Renewal Fees	₹2,999 + Applicable Taxes
Cash Withdrawal Fees	2.5% of the transaction amount or ₹500, whichever is higher.
Interest on Late Payments	3.75% p.a (45% p.a)
Late Payment Charges	₹0 to ₹1,300, depending on the value of the outstanding amount.
Overlimit Charges	2.5% of the overlimit amount or ₹600, whichever is higher.
Utility Payment Fee	1% of the total amount of utility bills, chargeable if the amount of utility bills crosses ₹50,000.
Forex Fee	3.5% of the transaction amount.

💡Avoid high interest charges and late payment fees by using the automatic credit card bill payment feature on the Pice App!

Who Should Get a KrisFlyer SBI Card?

The KrisFlyer SBI Card is best suited for those who can make the most of its travel-focused rewards. Its benefits are closely tied to Singapore Airlines, making it ideal for frequent flyers who want to earn and redeem KrisFlyer miles on flight bookings.

Cardholders also have the flexibility to convert KrisFlyer miles into ALL Reward points to book hotels at no cost. Considering the annual fee of ₹2,999 plus taxes, this card makes sense for:

Frequent Singapore Airlines travellers
Individuals with regular international spending
Those who are comfortable spending around ₹3 lakh annually for their living

Conclusion

The KrisFlyer SBI Card is a smart choice for travellers who value miles over cashback, especially Singapore Airlines loyalists. With strong international earn rates, lounge access, milestone rewards and airline-linked benefits, it turns everyday and overseas spending into meaningful travel experiences while justifying its annual fee for frequent global flyers.