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Credit Cards · India

Apollo SBI Card SELECT

Updated 5 Jul 2026Source-linked

The Apollo SBI Card SELECT is a mid co-branded credit card from SBI Card and Apollo, with a joining fee of ₹1,499 + GST.

It earns up to 20 pts per ₹200 (≈10.0% value) on Apollo spends in the form of reward points (points).

Cardholders get 4 annual domestic airport lounge access, plus apollo 24|7 e-gift voucher worth rs. 1,500 as a welcome benefit.

SBI Card logo
Apollo SBI Card SELECT
Visa logo
  • Joining Fee₹1,499
  • Annual Fee₹1,499
  • Best Suited ForCo-brand rewards
  • Reward TypeReward Points (points)
Rewards Rate
  • 20 pts per ₹200 on apollo 247 and apollo pharmacy (cap 5000 points / statement)
  • 4 pts per ₹200 on dining movies entertainment travel (cap 5000 points / statement)
  • Base 0.50% on other spends
Welcome Benefits
  • Apollo 24|7 e-Gift Voucher worth Rs. 1,500
  • 1-year complimentary FITPASS PRO Membership
Data verified 5 Jul 2026 — see our methodology
SBI Card logoSBIVisa logomidCo-brand · Apollo
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Rewards and Benefits

Rewards Rate
20 pts per ₹200 on apollo 247 and apollo pharmacy (cap 5000 points / statement)
4 pts per ₹200 on dining movies entertainment travel (cap 5000 points / statement)
Base 0.50% on other spends.
Reward Redemption
1 Reward Point = 1 Health Credit = Re. 1.
Welcome Benefits
Apollo 24|7 e-Gift Voucher worth Rs. 1,500
Milestone Rewards
  • ₹6,00,000 / annual: Complimentary Noise Smartwatch worth Rs. 7,999
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Apollo Circle Benefits — In-built Apollo Circle Benefits including up to 25% value back on medicine purchases at Apollo 24|7 and Apollo Pharmacy.
  • Priority Pass Membership — 2-year complimentary Priority Pass Membership worth $99 (lounge visits chargeable).

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
₹3,00,000 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 statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded mid card by SBI Card and Apollo.
  • Joining / annual fee of ₹1,499 + GST, waived on annual spends of ₹3,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹3,00,000 spend.
  • Complimentary domestic airport lounge access (4/annual).
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈10.0% on apollo 247 and apollo pharmacy.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,500 welcome benefit

  • Apollo 24|7 e-Gift Voucher worth Rs. 1,500
    On payment of joining fee
  • 1-year complimentary FITPASS PRO Membership
    On payment of joining fee and a retail transaction
  • Complimentary Comprehensive Health Check-up Package
    On spending Rs. 50,000 within 90 days of joining
    Window: 90 days from issuance.

Accelerated rewards

  • 20 pts per ₹200 on apollo 247 and apollo pharmacy (cap 5000 points / statement)
    10 Reward Points per Rs. 100 on Apollo 24|7 and Apollo Pharmacy; expressed as 20 RP per Rs. 200 base denominator. Capped at 5,000 RP per statement cycle; thereafter 1 RP per Rs. 200.
  • 4 pts per ₹200 on dining movies entertainment travel (cap 5000 points / statement)
    2 Reward Points per Rs. 100 on Dining, Movies & Entertainment and Travel. Capped at 5,000 RP per statement cycle; thereafter 1 RP per Rs. 200.

Exclusions

The following spend categories earn no rewards on this card:

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

Milestone benefits

  • ₹6,00,000 / annual: Complimentary Noise Smartwatch worth Rs. 7,999 (≈ ₹7,999 value)

Airport lounge access

Domestic
4 visit(s) / annual.
Max 1 per quarter.

Fuel surcharge waiver

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

Other benefits

  • Apollo Circle Benefits. In-built Apollo Circle Benefits including up to 25% value back on medicine purchases at Apollo 24|7 and Apollo Pharmacy.
  • Priority Pass Membership. 2-year complimentary Priority Pass Membership worth $99 (lounge visits chargeable).

Sources

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

Eligibility

Age
21–65
Credit score
750+
Income (salaried)
—
Income (self-employed)
—
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