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Apollo SBI Card SELECT
Apollo SBI Card SELECT is the richer tier of SBI's Apollo healthcare co-brand, aimed at households with regular healthcare and wellness spend. It offers up to 25% combined value back on Apollo Pharmacy and Apollo 24|7 purchases, split between reward points and redeemable health credits, and bundles a year of FITPASS PRO gym access along with milestone rewards like a free health check-up and a Noise smartwatch. Its best value is narrowly tied to the Apollo ecosystem, so it suits families that already rely on Apollo for pharmacy and diagnostics.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 750+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per year (max 1 per quarter)
- International lounge access: Complimentary 2-year Priority Pass membership for international lounge access
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- 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 statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- ₹1,500 e-gift voucher redeemable via Apollo 24|7 or the SBI Card website, issued on card activation
- Up to 25% back on Apollo 24|7 and Apollo Pharmacy spends, split between 10% as ordinary reward points and up to 15% as separately redeemable health credits
- 1-year complimentary FITPASS PRO membership granting gym and wellness centre access across its partner network
- Complimentary health check-up on ₹50,000 spend within the first 90 days or at renewal, plus a Noise smartwatch on crossing ₹6,00,000 in annual spend
Pros
- + Up to 25% combined value back on Apollo healthcare spend
- + Free FITPASS PRO gym membership for a year
- + Milestone health check-up and smartwatch rewards
- + ₹1,500 welcome e-gift voucher on activation
Cons
- − Best value is narrowly tied to the Apollo ecosystem
- − Rs. 3 lakh annual spend needed to reverse the renewal fee
- − Only 1 reward point per Rs. 200 on other purchases