RBL iGlobe vs KrisFlyer SBI Card (2026)
The answer flips at ₹0.5L a month: KrisFlyer SBI Card below it, RBL iGlobe above.
Head to head
| RBL iGlobe | Metric | KrisFlyer SBI Card |
|---|---|---|
| #55 — wins this row | Our rank | #64 |
| ₹3,000/yr | Fee — joining · annual (+ GST) | ₹2,999/yr — wins this row |
| None | Fee waiver | None |
| 1.5% — an NRI-card carve-out from RBL's 3.5% standard (official product page) — wins this row | Forex markup | 3.5% + GST |
| Bureau-score-tiered (bank-wide MITC): 3.35%/mo (40.20%/yr) at CIBIL >775; 3.85%/mo (46.20%/yr) at 725–775; 3.99%/mo (47.88%/yr) below 725 | APR | not published |
| 1.3% — wins this row | Headline earn rate | 1.1% |
| RBL Reward Points | Currency | Singapore Airlines KrisFlyer |
| ₹0.25/pt | House value | ₹1.10/pt |
| ₹3,000 MakeMyTrip voucher — one eligible purchase within 30 days + annual fee payment | Welcome benefit | 3,000 KrisFlyer miles on annual-fee payment and first transaction within 60 days |
| 725 of 789 — wins this row | Lounge doors opened | 724 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: RBL iGlobe and KrisFlyer SBI Card are both open to a direct application. How people actually get each one is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
KrisFlyer SBI Card wins under ₹0.5L/month; RBL iGlobe takes over above it.
Where the lead changes hands
The lead changes hands at ₹0.5L a month: KrisFlyer SBI Card is ahead by ₹2,695 at ₹0.25L, RBL iGlobe by ₹13,819 at ₹5L.
RBL iGlobe draws above the line, KrisFlyer SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | RBL iGlobe | KrisFlyer SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹1,500 | ₹4,195 | KrisFlyer SBI Card by ₹2,695 |
| ₹0.5L | ₹8,500 | ₹8,089 | RBL iGlobe by ₹411 |
| ₹0.75L | ₹15,500 | ₹11,983 | RBL iGlobe by ₹3,517 |
| ₹1L | ₹20,000 | ₹15,877 | RBL iGlobe by ₹4,123 |
| ₹1.25L | ₹24,500 | ₹19,771 | RBL iGlobe by ₹4,729 |
| ₹1.5L | ₹29,000 | ₹23,665 | RBL iGlobe by ₹5,335 |
| ₹1.75L | ₹33,500 | ₹27,559 | RBL iGlobe by ₹5,941 |
| ₹2L | ₹38,000 | ₹31,453 | RBL iGlobe by ₹6,547 |
| ₹2.25L | ₹42,500 | ₹35,347 | RBL iGlobe by ₹7,153 |
| ₹2.5L | ₹47,000 | ₹39,241 | RBL iGlobe by ₹7,759 |
| ₹2.75L | ₹51,500 | ₹43,135 | RBL iGlobe by ₹8,365 |
| ₹3L | ₹56,000 | ₹47,029 | RBL iGlobe by ₹8,971 |
| ₹3.25L | ₹60,500 | ₹50,923 | RBL iGlobe by ₹9,577 |
| ₹3.5L | ₹65,000 | ₹54,817 | RBL iGlobe by ₹10,183 |
| ₹3.75L | ₹69,500 | ₹58,711 | RBL iGlobe by ₹10,789 |
| ₹4L | ₹74,000 | ₹62,605 | RBL iGlobe by ₹11,395 |
| ₹4.25L | ₹78,500 | ₹66,499 | RBL iGlobe by ₹12,001 |
| ₹4.5L | ₹83,000 | ₹70,393 | RBL iGlobe by ₹12,607 |
| ₹4.75L | ₹87,500 | ₹74,287 | RBL iGlobe by ₹13,213 |
| ₹5L | ₹92,000 | ₹78,181 | RBL iGlobe by ₹13,819 |
Transfer reach
Only RBL iGlobe
- Club ITC
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
RBL iGlobe · 1 more →
- NRI-only, branch-sold, and billed ONLY via Standing Instruction from an RBL NRE savings account
- No fee waiver — ₹3,000 + GST every year; the MMT voucher has to keep earning it
- Closed-loop points: ₹0.25 catalogue, ₹99 + GST per redemption day, no airline partners
KrisFlyer SBI Card · 5 more →
- 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
The call
For the ₹1L/month spender, RBL iGlobe nets ₹20,000 against ₹15,877 — a ₹4,123 gap. At ₹5L/month, RBL iGlobe nets ₹92,000 against ₹78,181 — a ₹13,819 gap. Lounge chasers: RBL iGlobe opens 725 of 789 tracked doors to KrisFlyer SBI Card's 724.
Our standing verdicts: RBL iGlobe — Keep; KrisFlyer SBI Card — Keep. On our board, RBL iGlobe sits at #55 to KrisFlyer SBI Card's #64 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, RBL iGlobe or KrisFlyer SBI Card?
RBL iGlobe. It sits at #55 on our board to KrisFlyer SBI Card's #64. RBL iGlobe takes 7 of the 8 rounds we can score. KrisFlyer SBI Card wins under ₹0.5L/month; RBL iGlobe takes over above it.
RBL iGlobe or KrisFlyer SBI Card — which earns more at ₹3L a month?
At ₹3L a month, RBL iGlobe nets ₹56,000 against ₹47,029 — a ₹8,971 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, RBL iGlobe or KrisFlyer SBI Card?
KrisFlyer SBI Card — ₹2,999/yr against ₹3,000/yr. RBL iGlobe waives its fee at no spend level — there is no waiver; KrisFlyer SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, RBL iGlobe or KrisFlyer SBI Card?
Lounge chasers: RBL iGlobe opens 725 of 789 tracked doors to KrisFlyer SBI Card's 724. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: RBL iGlobe on 2026-08-06, KrisFlyer SBI Card on 2026-08-02. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.