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Credit Cards · India

Apollo SBI Card

Updated 5 Jul 2026Source-linked

The Apollo SBI Card is a entry co-branded credit card from SBI Card and Apollo, with a joining fee of ₹499 + GST.

It earns up to 6 pts per ₹200 (≈3.0% value) on Apollo spends in the form of reward points (points).

Welcome benefit: 500 Reward Points worth Rs. 500.

SBI Card logo
Apollo SBI Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCo-brand rewards
  • Reward TypeReward Points (points)
Rewards Rate
  • 6 pts per ₹200 on apollo services
  • 4 pts per ₹200 on dining movies entertainment
  • 2 pts per ₹200 on beauty wellness
  • Base 0.50% on other spends
Welcome Benefits
  • 500 Reward Points worth Rs. 500
  • Complimentary OneApollo Gold Tier Membership
Data verified 5 Jul 2026 — see our methodology
SBI Card logoSBIVisa logoentryCo-brand · Apollo
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Rewards and Benefits

Rewards Rate
6 pts per ₹200 on apollo services
4 pts per ₹200 on dining movies entertainment
2 pts per ₹200 on beauty wellness
Base 0.50% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
500 Reward Points worth Rs. 500
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Instant discount at Apollo — Up to 10% instant discount at select Apollo services.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.5% = ₹75/mo
  • Groceries₹8,000 · 0.5% = ₹40/mo
  • Dining & food delivery₹8,000 · 0.5% = ₹40/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.5% = ₹50/mo
  • Utilities & bills₹5,000 · 0.5% = ₹25/mo
Est.net rewards for this spend, realistic
₹2,760/yr

₹2,760 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions , capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by SBI Card and Apollo.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Accelerated earn worth ≈3.0% on apollo services.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • 500 Reward Points worth Rs. 500
    On payment of joining fee
  • Complimentary OneApollo Gold Tier Membership
    On joining

Accelerated rewards

  • 6 pts per ₹200 on apollo services
    3X Reward Points (3 RP per Rs. 100) on all Apollo services; expressed as 6 RP per Rs. 200 base denominator.
  • 4 pts per ₹200 on dining movies entertainment
    2X Reward Points (2 RP per Rs. 100) on Dining, Movies & Entertainment.
  • 2 pts per ₹200 on beauty wellness
    1 RP per Rs. 100 on Beauty & Wellness services.
Capping rules
  • No monthly/cycle earning cap on the 3X (3 RP/₹100) One Apollo accelerated points per the Apollo SBI Card T&C ekit (retrieved 2026-07-05); only redemption is 'no limit'. The 5,000-RP/month cap on aggregators belongs to the Apollo SELECT variant, not this base card. High confidence.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions , capped at ₹100 per monthly.

Other benefits

  • Instant discount at Apollo. Up to 10% instant discount at select Apollo services.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
—
Income (self-employed)
—
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