Apollo SBI Card Select

Gaurav

The Apollo SBI Card Select is a special credit card made by Apollo 24/7 and SBI Card for people who care about their health and wellness. It gives 10% reward points on spending at Apollo Pharmacy and Apollo 24/7. You also get free health check-ups and other health-related benefits. The reward points can be converted into Apollo Health Credits at a 1:1 ratio and used across Apollo services. The card also includes travel perks like free access to domestic airport lounges and a free Priority Pass membership. With an annual fee of ₹1,499, the card gives good value through ₹1,500 welcome voucher and yearly health check-up benefits. It is a great option for families looking for a mix of health and lifestyle rewards.

For those who want a more affordable card, SBI also offers the Apollo SBI Credit Card with a lower annual fee of ₹499. This version gives up to 3% value-back and allows you to redeem reward points in three ways: instant redemption at stores, Apollo vouchers, or as health credits. It is a good choice for users who want basic health benefits without paying a high fee. The Select version offers more features and higher rewards. This new card is the second time Apollo and SBI Card have worked together after ending their earlier co-branded card. It is designed to support users in staying healthy while also enjoying useful financial benefits.

Credit Card Detail
Apollo SBI Card Select
Joining Fee
Rs. 1499.00 +GST
Renewal Fee
Rs. 1499.00 +GST
Best Suited For
Shopping | Travel | Health
Reward Type
Reward Points
Welcome Benefits
You get a ₹1,500 Apollo 24/7 gift voucher along with added benefits like free Apollo Circle membership, FITPASS PRO access for fitness services, and a Noise smartwatch.
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Rewards Rate
You earn 10 reward points for every ₹100 spent at Apollo Pharmacy and Apollo 24/7. For spending on dining, movies, entertainment, and travel, you get 2 points per ₹100. On all other purchases, you earn 1 point for every ₹200 spent.
Reward Redemption
You can use the reward points as Apollo Health Credits, with each point equal to one credit.
Movie & Dining
N/A
Travel
Free Priority Pass membership is provided for two years.
Golf
N/A
Domestic Lounge Access
You get free access to a domestic airport lounge 4 times a year, with a limit of 1 visit every 3 months.
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.75% per month or 45% per annum
Spend-Based Waiver
You don’t have to pay the annual fee if you spend ₹3 lakh or more in the previous year.
Rewards Redemption Fee
N/A
Cash Advance Charges
2.5% cashback or ₹500, whichever amount is greater.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver of up to ₹100 every month on fuel purchases between ₹500 and ₹4,000.
Card Details
  • Apollo Select is a sub-premium health credit card co-branded by SBI Card and Apollo 24/7, available on RuPay and Mastercard networks.
  • Offers 4 complimentary domestic airport lounge visits per year (1 per quarter) and a 2-year complimentary Priority Pass membership.
  • Includes 1-year free FITPASS PRO membership and an annual comprehensive health check-up package.
  • Earn 10 reward points for every ₹100 spent at Apollo 24/7 and Apollo Pharmacy; points redeemable as Apollo Health Credits at a 1:1 ratio.
  • Get a ₹1,500 Apollo 24/7 e-gift voucher (redeemable at Apollo Pharmacy) plus Apollo Circle benefits.
  • Receive a Noise Smartwatch worth ₹7,999 on annual spends of ₹6 lakh.
  • Earn 2 reward points per ₹100 spent on dining, travel, movies, and entertainment; 1 reward point per ₹200 on other spends.
  • Annual fee waiver available on ₹3 lakh spend in the previous year.
  • Fuel benefit includes 1% surcharge waiver up to ₹100 per month on fuel transactions between ₹500 and ₹4,000.
Pros/Cons
Pros
- You earn faster rewards on all Apollo purchases and get a free health check-up every year. Your reward points can be easily converted to Apollo Health Credits at a 1:1 ratio. The card has a lower annual fee with easy waiver conditions. Plus, you get extra milestone rewards worth ₹7,999.
Cons
- The card does not offer access to international airport lounges, even though it comes with a free Priority Pass. Rewards can only be redeemed as Apollo Health Credits, limiting how you can use them. Also, the basic reward rate is quite low at just 0.5%.
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Frequently Asked Questions

What benefits do I get through Apollo Circle?

You can get up to 15% back as Health Credits on medicines, 20% back on diagnostic tests, one free health test (like HbA1c, TSH, or CBC), Rs. 1 lakh accidental cover, free medicine home delivery, and save up to ₹150 on doctor visits.

How can I waive the annual charges of the Apollo SBI Card Select?

You need to spend ₹3 lakh in a year to get the full annual fee waived.

What tests are covered in the free health check-up?

The free check-up includes tests for Lipid Profile, Kidney, Diabetes, Liver, Complete Blood Count, Thyroid, and Urine.

When will I receive my Apollo SBI Select Credit Card after approval?

It usually takes 7-10 working days to deliver the card to your registered address after approval.

Does the card offer any discounts on doctor consultations?

Yes, you can save up to ₹150 on doctor consultations through Apollo Circle benefits.

Where can I use the Apollo e-gift card voucher?

You can redeem the voucher at Apollo Pharmacy stores, on their mobile app, or website.

What are the joining and annual fees for the Apollo SBI Select Credit Card?

The card costs ₹1,499 plus GST as joining and annual fees.

Can I use the Apollo SBI Select Credit Card for UPI payments?

Yes, if you have the RuPay version, you can link it to UPI and earn rewards on your spends.

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