SBI Card
Apollo SBI Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5% on all international transactions
Welcome Benefits
500 Reward Points and complimentary Apollo Gold Tier Membership
Product Highlights
- 3x Reward Points while spending on Apollo services.
- 2x Reward Points while spending on movies, dining, and entertainment.
- 10% Instant Discount at Select Apollo Services.
- Complimentary Apollo Gold Tier Membership.
- 1% fuel surcharge waiver at all fuel stations.
Category Rewards
Specialty
1 Reward Point on every ₹100 spent
1X
Fee Waiver
Waiver of renewal fee on the spending of ₹1 Lakh or more in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Apollo Pharmacy
10X at Apollo Group (Apollo Pharmacy, Apollo 24x7, Apollo Hospitals)
Apollo 24x7
10X at Apollo Group (Apollo Pharmacy, Apollo 24x7, Apollo Hospitals)
Apollo Hospitals
10X at Apollo Group (Apollo Pharmacy, Apollo 24x7, Apollo Hospitals)
Apollo Diagnostics
10X at Apollo Group (Apollo Pharmacy, Apollo 24x7, Apollo Hospitals)
Reward Calculator
Earns ₹611/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.8K
SBI Reward Points
₹1.2K
via standard · ₹0.25/pt
Effective rate
0.77%
Annual fee
₹589
Year 1 net
+₹611
Year 2+ net
+₹611
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
3x Reward Points on Apollo Services, 2x Reward Points on dining, movies, and entertainment, 1 Reward Point on every ₹100 spent on all other spends.
- 1 Reward Point = ₹1 against services at Apollo Healthcare Centers and related stores.
Benefits & Features
2x Reward Points while spending on dining and movie related spends.
Pros & Cons
Pros
- 3x Reward Points on Apollo services.
- 2x Reward Points on dining and entertainment.
- 10% Instant Discount at Select Apollo Services.
- Affordable joining and renewal fees.
Cons
- Limited to Apollo services for optimal rewards.
- Annual fee applies if spending requirement is not met.
Additional Info
Cardholders must inform about card loss immediately to avoid liability.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
Waiver of renewal fee on the spending of ₹1 Lakh or more in the previous year.