SBI Card
Apollo SBI SELECT Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
10% points
Foreign Markup
3.5%
Welcome Benefits
Apollo 24/7 Gift Voucher Worth ₹1,500, Built-in Apollo Circle Benefits, and FITPASS PRO Membership
Product Highlights
- Co-branded offering by SBI Card and Apollo 24/7
- Health-focused benefits
- Complimentary domestic airport lounge access
Category Rewards
dining
5X on dining, movies
5X
entertainment
5X on dining, movies
5X
Fee Waiver
Annual charges reversed on spending of ₹3 Lakh or more
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Apollo Pharmacy
10X at Apollo Group
Apollo 24x7
10X at Apollo Group
Apollo Hospitals
10X at Apollo Group
Apollo Diagnostics
10X at Apollo Group
Reward Calculator
Earns ₹181/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
7.8K
SBI Reward Points
₹1.9K
via standard · ₹0.25/pt
Effective rate
1.02%
Annual fee
₹1,769
Year 1 net
+₹181
Year 2+ net
+₹181
ongoing
Adjust your spend by reward bucket
3 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–₹4,000 fuel txns · capped at ₹250/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
Earn 10 Reward Points for every ₹100 spent on Apollo 24|7 App and Stores (10% Return as Health Credits). Earn 2 Reward Points for every ₹100 spent on Dining, Movies & Entertainment, and Travel (2% Return). Earn 1 Reward Point for every ₹200 spent on Other Purchases.
- 1 RP = 1 Health Credit (Equivalent to ₹1)
Benefits & Features
Domestic: 4 Free Visits Each Year International: N/A Complimentary domestic airport lounge access without requiring any spending criteria.
Pros & Cons
Pros
- High rewards on medical expenses
- Complimentary Priority Pass membership
- Welcome gift voucher worth ₹1,500
Cons
- No free international lounge visits
- Reward Points can only be converted to Apollo Health Credits
- No option for cash redemption
Additional Info
Important note 1
Note 2
A maximum of 5,000 Reward Points can be earned per category in a statement cycle.
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Annual charges reversed on spending of ₹3 Lakh or more