KrisFlyer SBI Card
KeepIndia's only direct line into KrisFlyer — 1.1% on your life, 2.75% in the air, and miles worth ₹2+ in a Saver Business seat.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 3,000 KrisFlyer miles on annual-fee payment and first transaction within 60 days
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹28,000 a month
At ₹28,000 a month — ₹3,36,000 a year — on the everyday mix this card returns ₹3,100 gross (earn ₹3,100) against its ₹2,999 fee = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
This is the single card in India that earns Singapore Airlines KrisFlyer miles straight to your frequent-flyer account — no transfer step, no ratio haircut. That matters because KrisFlyer is the points geek's favourite premium-cabin target: a Saver Business seat to Singapore or Europe routinely returns north of ₹2 a mile, more than double what these miles cost you to earn. The catch is the earn rate itself. General spend pays a thin 1 mile per ₹100 (about 1.1% at our ₹1.10 mark), with Singapore Airlines, Scoot and international spends lifting to 2.5 (roughly 2.75%); fuel, rent, utilities, government and wallet loads earn nothing at all. A ₹2,999 fee with no spend waiver, a 3.5% forex markup and a hard three-year expiry on the miles mean this is emphatically not an everyday earner. And read the Elite Silver line carefully: SBI grants that tier at ₹2.5 lakh spent ON Singapore Airlines, not ₹2.5 lakh of card spend — a bar you clear by flying SQ, not by holding the card. Carry it if you fly SQ and want to feed a real premium-cabin habit; pair it with a card that actually earns and let this one collect the welcome and the ₹3L milestone miles. For anyone who doesn't fly Singapore Airlines, there is nothing here.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
Break-even ₹28,000 a month — ₹3,36,000 a year — is where this card's value crosses its fee.
At your spend
−₹200 a year, net of the fee, at ₹3,00,000 of annual spend
₹5,800 a year, net of the fee, at ₹6,00,000 of annual spend
₹11,400 a year, net of the fee, at ₹12,00,000 of annual spend
₹33,600 a year, net of the fee, at ₹36,00,000 of annual spend
₹55,700 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 18 Aug 2026 Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years a program these points reach
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 21 Jul 2026 KrisFlyer puts a miles floor under award search a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- The only Indian card that earns KrisFlyer miles directly — no transfer, no ratio cut
- 3,000 welcome miles + 3,000 more at ₹3L annual spend
- KrisFlyer Elite Silver tier upgrade at ₹2.5L spent on Singapore Airlines itself (bookings via the SQ app/website)
- 2.5 miles/₹100 on Singapore Airlines, Scoot & international spends
- 4 domestic (1/quarter) + 4 international lounge visits (max 1/quarter) via complimentary Priority Pass
Watch out
- General earn is 1 mile/₹100 (≈1.1%) — everyday spend belongs on another card
- ₹2,999 fee has no spend-based waiver; 3.5% forex markup
- Elite Silver is NOT a general-spend milestone — SBI gates it on ₹2.5L booked with Singapore Airlines, a bar almost nobody clears on a ₹2,999 card
- Since 10 Jan 2026 the domestic lounge visits are restricted to SBI's Set B list — 30 lounges in 18 cities, not the full Visa network
- Priority Pass membership is complimentary for 2 years only; past the 4 free visits it is US$27 + tax each
- KrisFlyer miles expire a hard 3 years from accrual — no activity extension
- Fuel, rent, utilities, government and wallet loads earn nothing
- ₹99 + GST redemption fee per request
What these points actually fly
You hold this — the numbers below are your own points.
KrisFlyer SBI Card earns Singapore Airlines KrisFlyer outright — no transfer, no ratio to lose on the way. The cheapest verified seat we hold in each cabin:
- Delhi → Singapore Economy 19,000 Singapore Airlines KrisFlyer the play
- Bengaluru → Singapore Business 45,000 Singapore Airlines KrisFlyer
- Singapore → Kuala Lumpur First 32,000 Singapore Airlines KrisFlyer
What earns, what doesn't
13 sourced rules · 7 pay zero
Base 1 KrisFlyer mile/₹100 (2 miles/₹200); Singapore Airlines Group & international spends 2.5/₹100 (5/₹200). SBI's published exclusion set — fuel, rent, utility, government and wallet loads earn zero (all five confirmed verbatim 2026-07-22; no MCC codes published). KrisFlyer miles earned expire in 2 years. Visa card, so no UPI.
- Fuel · excluded Zero miles — in SBI's published exclusion list; 1% fuel surcharge waiver on txns up to ₹3,000
- Rent & property management · excluded Zero miles — in SBI's published exclusion list
- Wallet loads · excluded Zero miles — wallet loads in SBI's exclusion list
- Utilities (electricity/water/gas) · excluded Zero miles — in SBI's published exclusion list
per SBI Card T&C (community-sourced) · rank every card by spend category →
Does your spend count toward the milestones?
not published — and we say which
₹3,00,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the KrisFlyer SBI Card earns and does not earn, but has not published which spend categories count toward the milestones — the ₹3,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
728 of 793 tracked doors
Gate: Set B list w.e.f. 10 Jan 2026 (30 lounges, 18 cities); no spend-earned extra visits; Priority Pass complimentary for the first 2 years only
Opens 728 of 793 tracked lounge doors across 291 airports , via Priority Pass India, Priority Pass Global — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Openly available to apply on SBI Card's site (the product page runs a live 'Apply Now' flow). SBI publishes no separate KrisFlyer-specific income floor beyond its standard travel-card underwriting; the ₹2,999 fee has no spend waiver, so only the welcome and milestone miles offset it.
per the official SBI Card MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
2 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Visa Signature. Fee ₹2,999 + GST, no spend waiver. Forex 3.5%+GST. Miles accrue directly to KrisFlyer (hard 3-year expiry). Earn: 2 miles/₹200 general, 5/₹200 on Singapore Airlines Group & international; fuel/rent/utility/government/wallet excluded. APR, late-fee slabs and cash-advance follow SBI Card's standard MITC — not separately machine-verified for this co-brand; verify before quoting.
per the official SBI Card MITC (community-sourced) · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in yearsMembership Rewards transferred to Virgin Atlantic Flying Club at 2:1 (1,00,000 MR → 50,000 Virgin Points). → Virgin Atlantic Flying Club at 5:4 (1,00,000 MR → 80,000 Virgin Points). Transfer mechanics unchanged: multiples of 400 MR with an 800 MR minimum, normally immediate.
Indian points news is a devaluation ledger, so read this twice: Amex India made this transfer route BETTER on 18 August 2026, and by a lot. Virgin Atlantic goes from 2 MR per point to 5 MR for 4 — a 60% uplift that moves the route from ₹0.50 of Virgin value per MR to ₹0.80, second only to KrisFlyer among Indian MR's airline doors. Amex published fresh Virgin Atlantic transfer terms on 17 August — the T&C restates the minimums and timing but, as always with Amex India, prints no ratio table, so the ratio itself is sourced to two community desks that caught the change independently and quoted the same 1,00,000 → 80,000 figure. Their "before" number matches what this file already held, which is the corroboration that matters.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 21 Jul 2026KrisFlyer puts a miles floor under award search
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 1 Apr 2026ITA Airways joins Star Alliance as member 26
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 28 Mar 2026KrisFlyer quietly cuts its own dynamic 'Access' award rates
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Official SBI product page — 3,000 welcome miles on fee payment plus first transaction in 60 days, 5 KrisFlyer miles per ₹200 on Singapore Airlines Group and on international
- official SBI's product record behind that page — the full earn, fee and milestone grid, plus isOnline "yes" (open to new applications), productType KFBA, cardLaunchDate 2024-09-30
- official MITC — KrisFlyer SBI Card ₹2,999 joining and ₹2,999 renewal with no spend waiver printed; foreign-currency fee 3.5%
- official Airport Lounge Access — "Krisflyer SBI Card" is listed under "Set B: Eligible Credit Cards" (the ₹2,999 tier)
- community CardInsider — ₹2,999 fee, 5 miles/₹200 on SIA & international / 2 miles/₹200 general, 3,000 welcome, ₹2.5L Elite Silver + ₹3L 3,000 miles milestones