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Apollo SBI Card
Apollo SBI Card is SBI's healthcare co-brand with Apollo HealthCo, giving cardholders real value back on Apollo Pharmacy and Apollo 24|7 spends at a low ₹499 fee. It's a practical entry point for households that regularly buy medicines or use Apollo's health platform, though the richer combined health-credit stack is reserved for the SELECT variant, and the exact base-tier reward split isn't fully disclosed by SBI.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate · 3X Reward Points per Rs. 100 on Apollo services, up to 10% instant discount at select Apollo services, 2X points on dining/movies/entertainment, 1 point per Rs. 100 on beauty and wellness, 1 point per Rs. 200 elsewhere
- ⛽ Fuel
1% fuel surcharge waiver at all petrol pumps in India, max Rs. 100 per month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all petrol pumps in India, max Rs. 100 per month
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 500 Reward Points (worth Rs. 500) on payment of the joining fee, plus complimentary Apollo OneApollo Gold tier membership
- 3X Reward Points per Rs. 100 on Apollo services, up to 10% instant discount at select Apollo services, 2X points on dining/movies/entertainment, 1 point per Rs. 100 on beauty and wellness, 1 point per Rs. 200 elsewhere
- 1% fuel surcharge waiver at all petrol pumps in India, max Rs. 100 per month
Pros
- + 3X points and up to 10% instant discount on Apollo services
- + Low, easily waived Rs. 499 fee (Rs. 1 lakh annual spend)
- + Complimentary OneApollo Gold tier membership
- + 1% fuel surcharge waiver at all petrol pumps
Cons
- − Value is concentrated in Apollo-branded healthcare spend
- − No lounge access on the base variant
- − Only 1 reward point per Rs. 200 on non-category spends