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  • Apollo SBI Select Credit Card
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    SBI Cards

    Apollo SBI Card Select

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    cat name Rewards
    3.5/5.0

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    Milestone Benefits3.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹1,499* Plus Applicable Taxes

    Rewards

    Rewards

    Up to 10 reward points per Rs. 100 spent

    Lounge Access

    Lounge Access

    4 domestic lounge visits per year

    Membership

    Membership

    1-year FITPASS Pro Membership

    Updated on July 15, 2025 11:02 am

    Author: Megha Khanna

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    About The CardHealthcare BenefitsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Apollo SBI Card Select

    Apollo SBI Card Select is one of the few healthcare-focused cards in India. Co-branded with Apollo Group, it offers accelerated 10% rewards on pharmacy, free health check-ups among other health and wellness oriented benefits. Accumulated reward points can be converted to Apollo Health Credits in 1:1 ratio, and can be redeemed across the brand’s network.

    SBI Card also offers a base variant – the Apollo SBI Card – at a lower annual fee of Rs. 499. While it offers a comparatively lower value-back of up to 3%, it provides flexibility with three redemption options- Instant redemption at POS, Apollo voucher and conversion to health credits, making it an affordable alternative for card users who don’t want to pay a high fee. The Select Card comes as the premium variant in this collaboration offering a higher value-back, along with lounge access and milestone benefits which are not available on the base variant.

    Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.

    Apollo SBI Card Select: Healthcare Benefits

    • 1-year complimentary FITPASS PRO membership1
    • Complimentary comprehensive health check-up package every year2
    • 10 reward points for every Rs. 100 spent on Apollo 24/7 and Apollo Pharmacy
    • Reward points are redeemable as Apollo Health Credit for a redemption of 1:1
    • Apollo 24/7 e-gift voucher worth Rs. 1,500 (redeemable at Apollo pharmacy) and  Apollo Circle benefits3
    • Noise Smartwatch worth Rs. 7,999 on annual spends of Rs. 6 Lakh
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    Other Features & Benefits

    Rewards

    • 2 reward points for every Rs. 100 spent on dining, travel, movies & entertainment
    • 1 reward point for every Rs. 200 on other spends

    Waiver Condition

    • Annual fee waiver on spending Rs. 3 Lakh in the previous year

    Lounge Access

    • 4 complimentary domestic lounge access per year (maximum 1 per quarter)
    • Complimentary Priority Pass membership for two years

    Fuel Benefits

    • 1% fuel surcharge waiver up to Rs. 100 per month, valid on transactions ranging between Rs. 500 and Rs. 4,000

    Fees and Charges

    Fee Type Amount
    Joining Fee Rs. 1,499 + Taxes
    Annual Fee Rs. 1,499 + Taxes
    Finance Charges 3.50% p.m. | 42% p.a.
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 500 Nil
    Rs. 500 to Rs. 1,000 Rs. 400
    Rs. 1,000 to Rs. 10,000 Rs. 750
    Rs. 10,000 to Rs. 25,000 Rs. 950
    Rs. 25,000 to Rs. 50,000 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Comparison with Other Similar Cards

    Particulars Apollo SBI Card Select Apollo SBI Card Axis Aura
    Annual Fee Rs. 1,499 Rs. 499 Rs. 749
    Welcome Benefit Worth Rs. 1,500 Worth Rs. 500 Rs. 750
    Benefits on Doctor Consultation Savings up to Rs. 150 via Apollo Circle (for 1st year) Up to 10% off via Gold Tier 4 free video sessions p.m. via Practo
    Benefits on Medicines 10% value-back 3% value-back –
    Health Check-up Complimentary check-up p.a. Up to 15% off via Gold Tier Up to Rs. 500 discount p.a.
    Other Healthcare & Wellness Benefits -FITPASS PRO Membership

    -Noise Smartwatch

    		 -Up to 10% Instant Discount at Select Apollo Services

    -1 % back on Beauty & Wellness services.

    		 -4 free video fitness sessions via Fitternity

    -30% discount on nutritional food and diet consultations
    Non-Health Benefits -1 point per Rs. 200
    -2% back on Dining, Travel, Movies & Entertainment
    -4 domestic lounge visits per year    		 -1  point per Rs. 200
    -2% back on Dining, Movies & Entertainment    		 -2 points per Rs. 200
    -5X rewards on insurance
    -Up to 15% off on dining bills

    Apollo SBI Select justifies its high annual fee in comparison to other cards with extensive all-round health benefits. However, considering that the redemption circles back to the Apollo network, it cannot suffice as the only card in your wallet if you are looking for an all-round lifestyle credit card.  Combining the card’s benefits with other all-rounder credit cards can yield good savings- especially due to its enhanced value-back on healthcare, which remains a distinct advantage.

    Things to Know Before you apply

    Get this card if:

    You want a credit card with exclusive benefits on healthcare

    You are willing to pay an annual fee of Rs. 1,499 for co-branded benefits

    You spend across Apollo network for your medicines and other healthcare needs

    You already have other cards catering to other everyday spending categories like shopping, grocery, dining, etc.

    Other Similar Cards

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards3.5/5

    Lifestyle Benefits3.5/5

    Milestone Benefits3.0/5

    What do we like about this card?

    The card justifies its co-branded tag and offers a good value-back on the Apollo network via accelerated rewards, free health checkups, and Apollo Circle benefits that include doctor consultations, diagnostic services, and free home delivery of medicines. Additionally, it offers accelerated 2% back on dining, movies, and travel with 1:1 redemption benefits, making it a suitable option for users who spend a considerable amount in these categories and are comfortable redeeming the points across Apollo Pharmacy and other related services.

    Pros

    • Accelerated rewards on Apollo spends
    • Complimentary health check-up every year
    • Redemption of 1:1 against Apollo Health Credits
    • Comparatively lower annual fee waiver condition
    • Milestone benefit worth Rs. 7,999

    Cons

    • No international lounge access even with complimentary Priority Pass membership
    • Redemption restricted to Apollo Health Credits only
    • Low base reward rate of 0.5%

    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, via the Apollo circle benefits, you can save up to Rs. 150 on doctor consultations.

    Through Apollo circle benefits you can avail Up to 15% Value Back as Health Credits on medicines, Up to 20% Value Back as Health Credits on diagnostic services, One free test (HbA1c, TSH, or CBC), Rs. 1 lakh Accidental cover, free home delivery of medicines and savings up to Rs. 150 on doctor consultations.

    Complimentary health check-up includes Lipid Profile, Kidney, Diabetes, Liver, Complete Blood Count, Thyroid and Urine tests.

    The e-voucher received on card activation is redeemable both offline and online at Apollo Pharmacy stores, mobile app and website.
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    Footnotes

    1. On payment of joining fee and completion of one retail transaction
    2. On spending Rs. 50,000 in the first 90 days. (valid for each anniversary year)
    3. Offered in the first year as activation benefit

    Click here to know More Terms and Conditions

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

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