PowerMiles Credit Card
Rs 5,000Annual fee
Rs 4,80,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) at 40+ lounges.
- 1 complimentary international airport lounge visit per calendar quarter (4 per year) at 1000+ lounges worldwide.
2%Forex markup
Best for
Travel, International, Lounge, Premium
Top rewards
International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent
KrisFlyer Apex Credit Card
Rs 9,999Annual fee
8Domestic lounge
Domestic lounge conditions
- Complimentary domestic and international lounge visits are capped at 2 visits per quarter.
- Complimentary Priority Pass membership included
- Complimentary Priority Pass membership included for primary cardholder.
- Priority Pass membership is complimentary for the primary cardholder for the first 2 card membership years.
- International lounge visits beyond the complimentary limit or by guests are charged at USD 27 plus taxes per visit.
3.5%Forex markup
Best for
Singapore Airlines, International Travel, Travel, Lounge, Premium
Top rewards
Singapore Airlines Group Spends: 10 KrisFlyer Miles per ₹200; International Spends: 8 KrisFlyer Miles per ₹200; Other Eligible Spends: 6 KrisFlyer Miles per ₹200
| Feature | PowerMiles Credit Card | KrisFlyer Apex Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | SBI Card |
| Network | Visa | American Express |
| Joining fee | Rs 5,000 | Rs 9,999 |
| Annual fee | Rs 5,000 | Rs 9,999 |
| Fee waiver spend | Rs 4,80,000 | - |
| Reward type | Reward Points | KrisFlyer Miles |
| Best for | Travel, International, Lounge, Premium | Singapore Airlines, International Travel, Travel, Lounge, Premium |
| Top reward categories | International POS And Online Purchases: 9 Reward Points / ₹100 spent (3X on international); All Other Retail Spends: 3 Reward Points / ₹100 spent | Singapore Airlines Group Spends: 10 KrisFlyer Miles per ₹200; International Spends: 8 KrisFlyer Miles per ₹200; Other Eligible Spends: 6 KrisFlyer Miles per ₹200 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 8 |
| International lounge | 4 | 8 |
| Forex markup | 2% | 3.5% |
| Milestone benefits | Not Listed | 10,000 bonus KrisFlyer Miles on reaching ₹5 Lakh in annual spends, KrisFlyer Elite Gold tier upgrade on spending ₹7.5 Lakh or more on Singapore Airlines Group booking channels, 3,000 bonus KrisFlyer Miles on cumulative annual spends of ₹10 Lakh |
| Redemption | Not Listed | Air miles: upto ₹ 0.8 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | fuel spends, property rental payments, utility bill payments, e-wallet uploads, government transactions, EMI transactions |