Apollo SBI Card Review (Base & SELECT)
The Apollo SBI Card is a healthcare-focused co-brand built with Apollo 24|7, rewarding medicine and health spends heavily and bundling Apollo Circle benefits, a health check-up and lounge access. It’s a strong fit for households with regular healthcare costs. Here is the verified review.
- 10 RP per ₹100 at Apollo 24|7 & Apollo Pharmacy (SELECT)
- Up to 25% value back on medicines (Apollo Circle)
- ₹1,500 welcome voucher + complimentary health check-up
- 4 domestic lounge visits/year + 2-year Priority Pass
- 1% fuel surcharge waiver; renewal waived at ₹3 lakh
- Reward Points redeem only as Apollo Health Credits
- 1 RP/₹200 base rate elsewhere is low
- Best value tied to the Apollo ecosystem
- SELECT fee ₹1,499 needs healthcare usage to justify
- Health check-up needs ₹50,000 spend in 90 days
Variants & rewards
| Item | Base | SELECT |
|---|---|---|
| Annual fee | ₹499 + GST | ₹1,499 + GST |
| Apollo 24|7 & Pharmacy | Accelerated rewards | 10 RP per ₹100 |
| Dining/movies/travel | — | 2 RP per ₹100 |
| Other spends | Base rate | 1 RP per ₹200 |
| Apollo Circle | Up to 25% value back on medicines | Up to 25% value back on medicines |
| Lounge | Limited | 4 domestic/year + 2-yr Priority Pass |
Eligibility & documents
Age
21 to 60 years
Income
Per SBI Card norms
Recommended CIBIL
~750+
Network
Visa
Redemption
Apollo Health Credits
Documents
PAN, Aadhaar, income & address proof
The real value
For families with ongoing medicine, diagnostics or doctor spends, the 10 RP per ₹100 at Apollo plus up to 25% value back via Apollo Circle is genuinely strong, and the complimentary health check-up and ₹1,500 welcome voucher add tangible health value. The catch is redemption — points convert to Apollo Health Credits only — so the card pays off best for committed Apollo customers; outside healthcare, the base rate is modest.
Who this card is for
- Best fit: households with regular Apollo 24|7 / Apollo Pharmacy and healthcare spends.
- Skip if: you don’t use Apollo, or want flexible (non-health) rewards.
How to apply & how to cancel
Apply: via sbicard.com or apollo247.com. Cancel: call SBI Card after clearing dues; redeem Apollo Health Credits first.
Final verdict
The Apollo SBI Card (especially SELECT) is a smart pick for healthcare-heavy households — strong Apollo rewards, up to 25% value back on medicines, a health check-up and lounge access. Because points redeem only as Apollo Health Credits, it’s best for committed Apollo users; others should pair it with a flexible everyday card.
Frequently asked questions
What are the variants and fees?
Apollo SBI Card (₹499) and Apollo SBI Card SELECT (₹1,499).
How rewarding is Apollo spending?
SELECT earns 10 RP per ₹100 at Apollo 24|7 and Apollo Pharmacy, plus up to 25% value back on medicines via Apollo Circle.
How are points redeemed?
Reward Points redeem as Apollo Health Credits, usable within the Apollo ecosystem.
Does it offer lounge access?
SELECT offers 4 domestic lounge visits a year plus a 2-year Priority Pass membership.
Data current as of October 2026, checked against SBI Card’s terms. Confirm current terms on sbicard.com before applying.