KrisFlyer SBI Card

Lounge access

• Complimentary Priority Pass membership (valid 24 months from issue, primary Cardholder). 4 complimentary international Priority Pass lounge visits (outside India) using Priority Pass Card plastic.
• Domestic and international lounges within India: USD 27 + applicable taxes per visit (chargeable after complimentary visit).
• Guest visits: USD 27 + applicable taxes per visit.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Forex markup

• Foreign Currency Transaction fee: 3.50% (For all cards except ELITE & AURUM) and 1.99% (For ELITE & AURUM Cardholders).
• Dynamic & Static Currency Conversion Markup Fee: 3.50% charged on transactions greater than or equal to ₹1,000 carried out in Indian Currency at an international location or at merchants located in India but registered overseas.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Charge

• Finance Charges: 3.50% p.m. (42% p.a.) for unsecured cards.
• Minimum Finance Charge ₹25.
• Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
• Cash Payment Fee: ₹250.
• Cheque Payment Fee: ₹100.
• Payment Dishonor Fee: 2% of payment amount (min ₹500).
• Card Replacement Fee: ₹100-₹250 (₹1,500 for Aurum).
• Emergency Card Replacement (abroad): actual cost (min $175 VISA/$148 Master Card).
• Late Payment: NIL for ₹0-₹500.
• ₹400 for >₹500 up to ₹1,000.
• ₹750 for >₹1,000 up to ₹10,000.
• ₹950 for >₹10,000 up to ₹25,000.
• ₹1,100 for >₹25,000 up to ₹50,000.
• ₹1,300 for >₹50,000.
• Plus additional Late Payment Charge of ₹100 on missing MAD for two consecutive cycles.
• Over Limit Fee: 2.5% of overlimit amount or ₹600 whichever higher.
• Dynamic & Static Currency Conversion Markup Fee: 3.50%.
• Rewards Redemption Fee: ₹99.
• Processing Fee on Rent Payment Transactions (MCC 6513): ₹199.
• Payment of Customs duty: 2.25% (min ₹75).
• Railway Tickets counter surcharge: ₹30 + 2.5% of transaction amount.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Interest-free period

• Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant.
• Not applicable if the previous month's balance has not been cleared in full or if the Cardholder has availed of cash from any ATM.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver across all Petrol Pumps in India on fuel transaction amount ranging from ₹500 to ₹4,000.
• Maximum surcharge waiver of ₹250 per billing statement, per credit card account.

Verified · KrisFlyer SBI Card – FAQs / Program Terms · 2026-08-01 · source

Redemption value

• KrisFlyer miles are valid for 3 years from the date of receipt.
• Miles are transferred to the KrisFlyer membership account on the statement cycle date and redeemed at Singapore Airlines.
• Rewards Redemption Fee: ₹99 (applicable only on Gifts, Statement Credit & Specific Vouchers, for all cards except AURUM).

Verified · KrisFlyer SBI Card – FAQs / Program Terms · 2026-08-01 · source

Reward exclusion

Verified · KrisFlyer SBI Card – FAQs / Program Terms · 2026-08-01 · source

Transfer partner

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Transfer rule

• KrisFlyer miles accumulated on the SBI Credit Card account are transferred to the KrisFlyer membership account on the statement cycle date.
• Active KrisFlyer Membership account is a pre-requisite for issuance and transfer.
• All miles transfers are final and cannot be reversed or refunded.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Travel benefit

Loss of Checked-in Baggage cover (compensation up to Sum Insured of ₹82,500 for total loss of baggage checked by an airline) and Delay of Checked-in Baggage cover (up to Sum Insured of ₹17,500 for delay of more than 12 hours) on Domestic or International flights.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Insurance

Fraud Liability cover up to ₹1 lakh for financial loss due to fraudulent usage of the Credit Card (Lost Card, Counterfeiting/Skimming/Phishing and Online Fraud Protection), insured by ICICI Lombard General Insurance Ltd.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source

Eligibility

• Active KrisFlyer Membership account is a pre-requisite for issuance of KrisFlyer SBI Card and for transfer of accumulated KrisFlyer miles.
• Add-on cards available for spouse, parents, siblings and children over 18 years of age.

Verified · KrisFlyer SBI Card – Terms & Conditions · 2026-08-01 · source