The Apollo SBI Select Credit Card is a special credit card launched by Apollo 24|7 and SBI Card. It’s designed for people who often spend on medicines, lab tests, doctor visits, and other healthcare needs. You get useful benefits like free doctor consultations, discounts on tests, and up to 5% rewards when you spend on Apollo 24|7.
Since it runs on the RuPay network, this card also works with UPI apps like PhonePe and Paytm – making it one of the best RuPay credit cards for those who want to pay using UPI.
You also earn points on things like dining, movies, and travel, so it’s not just for health spends. But is the Apollo SBI Credit Card SELECT really worth it if you don’t use Apollo services a lot? Let’s take a closer look.
Quick Overview of Apollo SBI Select Credit Card
| Feature | Details |
|---|---|
| Joining Fee | ₹1499 + GST |
| Welcome Benefit | Apollo 24|7 gift voucher worth ₹1500 Complimentary Apollo Circle benefits & more |
| Annual Fee | ₹1499 + GST (waived on ₹3 Lakh spend) |
| Reward Rate | 10% on Apollo, 0.5–2% elsewhere |
| Card Network | RuPay & Mastercard |
| Best For | Healthcare, wellness, and select lifestyle categories |
Fees & Charges
| Joining Fee | ₹1499+GST ~₹1769 |
| Welcome Benefit | Apollo 24|7 gift voucher worth ₹1500 Apollo Circle membership 1-year complimentary FITPASS PRO Membership Comprehensive Health Check-up Package when you spend ₹50,000 within 90 days of joining |
| Annual Fee | ₹1499+GST ~₹1769 |
| Annual Fee Waiver | ₹3 Lakh annual spend |
| Renewal Benefit | Apollo Circle benefits Spend ₹50,000 within 90 days of your card anniversary every year and get complimentary Comprehensive Health Check-up package Noise Smartwatch worth ₹7999 on annual spends of ₹6 Lakh |
💡 Spend ₹25,000/month to get the annual fee waived.
Kiwi RuPay Card
Lifetime FreeApollo SBI SELECT Credit Card Rewards
| Spend Category | Return |
|---|---|
| Medicine Purchases on Apollo | 10 RP/₹100 ~10% |
| Doctor Consultations | 10 RP/₹100 ~10% |
| Diagnostic Tests | 10 RP/₹100 ~10% |
| Travel, Dining, Movies & Entertainment | 2 RP/₹100 ~2% |
| Other Spends | 1RP/₹200 ~0.5% |
BoB Eterna
Lifetime FreeAdditional Apollo Circle Benefits (Free with Card)
The 10% value back on medicine purchases and doctor consultations with the Apollo SBI Credit Card SELECT is a built-in card benefit. But there’s more — the card also includes a complimentary Apollo CIRCLE membership, which adds even more value:
🔹 15% back on medicine purchases
🔹 10% back on doctor consultations
🔹 20% back on diagnostic tests
That’s a strong proposition, especially if you don’t already have an Apollo CIRCLE membership.
Currently, Apollo CIRCLE is available at a promo price of ₹199/year (regular price: ₹599/year) – making the card benefits even more attractive.
Our only gripe? The 0.5% reward rate on non-Apollo spends feels underwhelming. For a card with a ₹1,499 annual fee, we’d expect at least 1% back on regular purchases.
Cap on Rewards
| Category | Cap (Points) per Statement Cycle |
|---|---|
| Apollo 24|7 App & Stores Spends | 5000 |
| Dining, Movies, Entertainment, Travel | 5000 |
Reward Redemption
✅ Reward Redemption: You can redeem Apollo SBI SELECT credit card reward points for Apollo Health Credits at a 1:1 ratio – 1 point = ₹1 in Apollo credits.
💡 These credits can be used on Apollo 24|7 for doctor consultations, medicines, lab tests, and other wellness services.
🔄 Note: Redemption is only available through the SBI Card mobile app or website.
Complimentary Airport Lounge Access
- Domestic Airport Lounge Access: 4 visits/year
- International Airport Lounge Access: None
Fuel Surcharge Waiver Benefit
Get a 1% fuel surcharge waiver on every transaction ranging from ₹500 to ₹4000 at any petrol pump nationwide. Simply purchase fuel within this amount to avail the benefit. The maximum surcharge waiver is capped at ₹100 per statement cycle per credit card account, helping you save on your fuel expenses every month.
Pros & Cons – Apollo SBI Select Credit Card
Pros
Cons
Is the Apollo SBI Select Credit Card Worth It?
✔️ Get This Card If:
- You or your family regularly use Apollo 24|7 for doctor visits, medicines, and tests
- You can hit the ₹3L annual spend (to waive the fee)
- You’ll spend ₹50K within 90 days of renewal to unlock full benefits
- You value wellness add-ons like FITPASS, check-ups, and Apollo Circle
❌ Avoid If:
- You want a flat cashback card (like SBI Cashback or Airtel Axis)
- You don’t spend much on healthcare
- You can’t meet the ₹3L or ₹50K spend thresholds
Final Verdict
The Apollo SBI Select credit card is one of the best credit cards for healthcare and wellness in India, especially if you’re already an Apollo customer or plan to use their services regularly.
With 10% value-back, UPI compatibility via RuPay, and bundled wellness perks, the card justifies its annual fee – provided you meet the spend milestones.
FAQs
Apollo SBI SELECT Credit Card