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SBI Card
Apollo SBI Card
RuPay
Apollo SBI Card
SBI's 2025 healthcare co-brand with Apollo HealthCo — the entry variant gives value back on Apollo Pharmacy and Apollo 24|7 spends at a low ₹499 fee, with the richer health-credit stack reserved for the SELECT variant.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000
- 🌍 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
Benefits
- e-gift voucher on card activation via Apollo 24|7 or the SBI Card website
- Value back on Apollo Pharmacy and Apollo 24|7 spends, combining reward points with redeemable health credits
- 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000
Pros
- + Real value back on pharmacy and health-platform spend
- + Low, easily waived ₹499 fee
- + Access to the Apollo healthcare ecosystem
Cons
- − Value concentrated in Apollo-branded healthcare spend
- − No lounge access on the base variant
- − Exact base-tier reward split isn't fully disclosed by SBI