SBI Card MILES PRIME vs KrisFlyer SBI Card (2026)
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| SBI Card MILES PRIME | Metric | KrisFlyer SBI Card |
|---|---|---|
| #41 — wins this row | Our rank | #64 |
| ₹2,999/yr | Fee — joining · annual (+ GST) | ₹2,999/yr |
| ₹10,00,000 spend | Fee waiver | None |
| 2.5% + GST — wins this row | Forex markup | 3.5% + GST |
| Up to 3.75%/mo (45%/yr) | APR | not published |
| 1.0% | Headline earn rate | 1.1% — wins this row |
| SBI Travel Credits | Currency | Singapore Airlines KrisFlyer |
| ₹1.00/pt | House value | ₹1.10/pt |
| 3,000 Travel Credits on ₹60k spend in 60 days | Welcome benefit | 3,000 KrisFlyer miles on annual-fee payment and first transaction within 60 days |
| 724 of 789 | Lounge doors opened | 724 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SBI Card MILES PRIME and KrisFlyer SBI Card are both open to a direct application. How people actually get KrisFlyer SBI Card 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.
It swings with spend: SBI Card MILES PRIME at ₹1L/month, SBI Card MILES PRIME at ₹3L/month, KrisFlyer SBI Card at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.75L and ₹4.75L a month: KrisFlyer SBI Card is ahead by ₹3,834 at ₹0.25L, KrisFlyer SBI Card by ₹981 at ₹5L.
SBI Card MILES PRIME draws above the line, KrisFlyer SBI Card below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | SBI Card MILES PRIME | KrisFlyer SBI Card | In front |
|---|---|---|---|
| ₹0.25L | ₹361 | ₹4,195 | KrisFlyer SBI Card by ₹3,834 |
| ₹0.5L | ₹3,721 | ₹8,089 | KrisFlyer SBI Card by ₹4,368 |
| ₹0.75L | ₹17,081 | ₹11,983 | SBI Card MILES PRIME by ₹5,098 |
| ₹1L | ₹23,440 | ₹15,877 | SBI Card MILES PRIME by ₹7,563 |
| ₹1.25L | ₹26,800 | ₹19,771 | SBI Card MILES PRIME by ₹7,029 |
| ₹1.5L | ₹30,160 | ₹23,665 | SBI Card MILES PRIME by ₹6,495 |
| ₹1.75L | ₹33,520 | ₹27,559 | SBI Card MILES PRIME by ₹5,961 |
| ₹2L | ₹36,880 | ₹31,453 | SBI Card MILES PRIME by ₹5,427 |
| ₹2.25L | ₹40,240 | ₹35,347 | SBI Card MILES PRIME by ₹4,893 |
| ₹2.5L | ₹43,600 | ₹39,241 | SBI Card MILES PRIME by ₹4,359 |
| ₹2.75L | ₹46,960 | ₹43,135 | SBI Card MILES PRIME by ₹3,825 |
| ₹3L | ₹50,320 | ₹47,029 | SBI Card MILES PRIME by ₹3,291 |
| ₹3.25L | ₹53,680 | ₹50,923 | SBI Card MILES PRIME by ₹2,757 |
| ₹3.5L | ₹57,040 | ₹54,817 | SBI Card MILES PRIME by ₹2,223 |
| ₹3.75L | ₹60,400 | ₹58,711 | SBI Card MILES PRIME by ₹1,689 |
| ₹4L | ₹63,760 | ₹62,605 | SBI Card MILES PRIME by ₹1,155 |
| ₹4.25L | ₹67,120 | ₹66,499 | SBI Card MILES PRIME by ₹621 |
| ₹4.5L | ₹70,480 | ₹70,393 | SBI Card MILES PRIME by ₹87 |
| ₹4.75L | ₹73,840 | ₹74,287 | KrisFlyer SBI Card by ₹447 |
| ₹5L | ₹77,200 | ₹78,181 | KrisFlyer SBI Card by ₹981 |
Transfer reach
Only SBI Card MILES PRIME
- The British Airways Club (Avios)
- Air France-KLM Flying Blue
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
SBI Card MILES PRIME · 6 more →
- Travel Credits expire in 24 months — the shortest fuse on the index
- 1% base earn — everyday spend belongs on another card
- 2.5% forex undercuts ELITE's 1.99% by half a point
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, SBI Card MILES PRIME nets ₹23,440 against ₹15,877 — a ₹7,563 gap. At ₹5L/month, KrisFlyer SBI Card nets ₹78,181 against ₹77,200 — a ₹981 gap. Lounge chasers get no tiebreak here: both open 724 of 789 tracked doors.
Our standing verdicts: SBI Card MILES PRIME — Keep; KrisFlyer SBI Card — Keep. On our board, SBI Card MILES PRIME sits at #41 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, SBI Card MILES PRIME or KrisFlyer SBI Card?
SBI Card MILES PRIME. It sits at #41 on our board to KrisFlyer SBI Card's #64. SBI Card MILES PRIME takes 4 of the 6 rounds we can score. It swings with spend: SBI Card MILES PRIME at ₹1L/month, SBI Card MILES PRIME at ₹3L/month, KrisFlyer SBI Card at ₹5L/month.
SBI Card MILES PRIME or KrisFlyer SBI Card — which earns more at ₹3L a month?
At ₹3L a month, SBI Card MILES PRIME nets ₹50,320 against ₹47,029 — a ₹3,291 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, SBI Card MILES PRIME or KrisFlyer SBI Card?
They cost the same to get: ₹2,999/yr. SBI Card MILES PRIME waives its fee at ₹10,00,000 of spend; KrisFlyer SBI Card at no spend level — there is no waiver.
Which gets you into more airport lounges, SBI Card MILES PRIME or KrisFlyer SBI Card?
Lounge chasers get no tiebreak here: both open 724 of 789 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents 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.