Apollo SBI Card SELECT
A health co-brand card: 10 points per ₹100 at Apollo 24|7 and Apollo Pharmacy and 2 per ₹100 on dining, travel and movies (each up to 5,000 points a statement cycle), 1 per ₹200 elsewhere; points convert only to Apollo Health Credits at ₹1 each. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,499 plus GST Terms |
|---|---|
| Annual fee | ₹1,499 plus GST Product page |
| Annual fee waiver | On ₹3,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, travel (airlines, hotels, rail, travel agents) and movies | 2 points per ₹100 Terms | up to 5,000 points a statement cycle Terms |
| Other purchases | 1 point per ₹200 Terms | no cap on record |
Points convert 1:1 into Apollo Health Credits (closed-loop), spendable on Apollo 24|7, Apollo Pharmacy, Apollo Diagnostics and Apollo Medical Centres.
Spends above the 5,000-point cap in a category earn the base 1 point per ₹200. UPI payments at Apollo earn only 1 point per ₹200. Gaming and EMI purchases earn no points. Points expire 24 months after they are earned.
No rewards on
Benefits
- Lounges: 4 complimentary domestic airport lounge visits a year, at most one a quarter Terms
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹100 a statement cycle Terms
- Welcome: ₹1,500 Apollo 24|7 e-gift voucher after the joining fee is paid Product page
- Milestone: Noise smartwatch worth ₹7,999 on ₹6 lakh of annual spend Terms
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 points per ₹100 (10% in Health Credits) at Apollo 24|7 and Apollo Pharmacy, up to 5,000 points a cycle Terms
- Built-in Apollo Circle benefits: up to 15% back in Health Credits on medicines Terms
- 1-year FITPASS PRO membership after the joining fee and one retail transaction Terms
- Comprehensive health check-up on ₹50,000 of spend within 90 days of joining, and again each card anniversary Terms
- 2-year Priority Pass membership (no free visits; each visit costs USD 27 plus taxes) Product page
- ₹1 lakh accidental cover under the Apollo Circle benefits Terms
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends outside Apollo
Where SBI Card’s documents differ, and what is used
- Cap period: the FAQ and the card terms' table give 5,000 points per statement cycle in each accelerated category; one sentence of the terms calls it a monthly cap. The statement-cycle reading is used.
The quotes behind the figures
40 figures, each copied from an official SBI Card document.
Show every quote and source
“The Joining Fee and Annual Fee for Apollo SBI Credit Card SELECT is Rs. 1,499 + GST.”
“Renewal Fee ( per annum): Rs. 1,499 + taxes from second year onwards”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%”
“Renewal Fee waived if annual spends in the previous year are Rs. 3 Lakhs or more.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“1 Reward Point = 1 Health Credits = Re. 1”
“Earn 2 Reward Points per Rs. 100 spent on Dining, Movies & Entertainment, and Travel.”
“You can earn a maximum of 5,000 Reward Points per Statement Cycle: The cap is applied separately to two different categories:”
“Travel 4511, 3020, 7011, 4112, 4722”
“After reaching the monthly cap of 5,000 Reward Points in each category, the cardholder will accrue 1 Reward Point per Rs. 200 on eligible transactions done in accelerated categories.”
“Earn 1 Reward Point per Rs. 200 spent on other purchases.”
“Any purchases at petrol pumps / service stations identified under MCCs: 5172, 5541, 5542, 5983”
“E-wallet loading transactions identified under MCCs 6540 and 6541”
“Reward Points are not applicable on Rent Payment transactions.”
“Reward Points are not applicable on Government-related transactions, identified under MCCs 9399 and 9311, on a best-effort basis.”
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“Yes, if you have the Apollo SBI Card SELECT on RuPay network, you can link your card to any UPI (Unified Payments Interface) app to make payments directly from your credit card.”
“Apollo SBI Card SELECT 1,499 1,499 (Waived off on annual spends of 3 lakh or more in the preceding year)”
“You can redeem SBI Card Reward Points for Apollo Health Credits at a 1:1 ratio.”
“Closed loop redemption, rewards can only be redeemed as Apollo Health Credits.”
“Earn 10 Reward Points per Rs. 100 spent on Apollo 24|7 App and Stores.”
“Reward Points are not applicable on transactions made on Digital Gaming Platforms / Merchants, identified under MCCs 5816, 7993, and 7994, on a best-effort basis.”
“Merchant EMI, i.e., EMI availed at the time of purchase at Merchant Establishment or Websites.”
“For payments made through UPI at Apollo 24|7 and Apollo Pharmacy, 1 Reward Point will be awarded for every Rs. 200 spent.”
“Rs. 1,500 e-Gift Voucher available to Apollo SBI Card SELECT Cardholders after successful payment of Joining Fee.”
“There are no complimentary visits for Apollo SBI Card SELECT Cardholders”
“Additional complimentary Comprehensive Health Check-up Package on spending 50,000 within 90 days of your card anniversary from second membership year.”
“Points, if not redeemed, will expire after a period of 24 months from the date of the accrual of Reward Points under the Rewards Program.”
“Apollo SBI Card SELECT Cardholders are eligible for 4 domestic lounge access in a year, capped to 1 access per quarter.”
“Apollo SBI Card SELECT: 1% Fuel Surcharge Waiver for each transaction between Rs. 500 and Rs. 4,000. Maximum Surcharge waiver of Rs. 100 per statement cycle, per credit card account.”
“Get Apollo 24|7 e-Gift Voucher worth Rs. 1,500 on payment of Joining Fee”
“Complimentary Noise Smartwatch worth Rs. 7,999 on annual spend of Rs. 6 lakh.”
“Instore Spends (Apollo 24|7 App & Stores) 10% 10 Reward Points 5,000”
“Medicines Up to 15% Value Back as Health Credits”
“1-year complimentary FITPASS PRO Membership on payment of joining fee and making at least one retail transaction.”
“Complimentary Comprehensive Health Check-up Package on spending 50,000 within 90 days of joining.”
“2-year complimentary Priority Pass Membership worth $99”
“Accidental cover Rs. 1 lakh Accidental cover”
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“The Apollo SBI Card SELECT is available on RuPay and Mastercard networks.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology