Apollo SBI Card SELECT by SBI Card

Quick answer

Apollo SBI Card SELECT at a glance: The Apollo SBI Card SELECT from SBI Card is an entry-level credit card aimed at healthcare and lifestyle spenders, offering 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere rewards and ₹1,499 annual fee (waivable on minimum spend). Eligibility floor: minimum income ₹3,00,000 per annum. Compare it against the SBI Card MILES ELITE if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR: Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate: The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge: The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit: The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI: Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card: A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle: The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit: A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit: An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT: Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C: Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge: The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees: 18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

Apollo SBI Card SELECT at a glance

Annual fee: ₹1,499
Reward rate: 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere
Welcome benefit: 1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining
Best for: healthcare, lifestyle

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Apollo SBI Card SELECT

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1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher on joining — Best for healthcare · lifestyle.

Data as of 23 Jun 2026

Data may be out of date. Last verified 23 Jun 2026.

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Fee Waiver

Spend to waive: Waived on annual spends ≥ ₹2,00,000

Annual fee: ₹1,499

Compare

Apollo SBI Card SELECT vs SBI Card MILES ELITE →Apollo SBI Card SELECT vs SBI Card Tata Neu →Apollo SBI Card SELECT vs SBI BPCL Credit Card →

Welcome Offer

1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining

Card Snapshot

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Rate

5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere

Minimum Income

N/A

Complimentary airport lounge accessBuilt-in travel / air accident insuranceFuel surcharge waiver at HPCL / partner pumpsAnnual fee of ₹1,499 — may want to check waiver termsIncome eligibility of ₹3.0 lakh/month — moderate bar

About

Co-branded Apollo SBI Card SELECT targeting healthcare and lifestyle spends with accelerated reward points on Apollo 24|7, hospital, and pharmacy purchases. Annual fee waived on ₹2 lakh annual spends.

Welcome Benefit

1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining

Card Benefits

Lounge Access1 benefit

Insurance1 benefit

GasPump Surcharge Waiver1 benefit

EMI Offers1 benefit

Lifestyle Benefits4 benefits

Best For

healthcare

lifestyle

Foreign exchange, lounges & network

Forex Markup

3.50

Foreign currency transaction markup on international spends.

Lounge Access

1 complimentary domestic lounge visit per quarter (4/year) via Visa/Mastercard airport lounge program.

Network

Visa

Accepted at millions of merchants worldwide

Editorial review

Everything you need to know about Apollo SBI Card SELECT

~1,050 words

Data as of 12 Aug 2026

What is Apollo SBI Card SELECT?

1-year FITPASS PRO + Apollo 24|7 e-Gift Voucher on joining — Best for healthcare · lifestyle.

Apollo SBI Card SELECT is issued by SBI Card on the Visa network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹1,499 (joining fee ₹1,499). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for healthcare, lifestyle; the rest of this page breaks down what that means in practice.

Fees and charges explained

Apollo SBI Card SELECT charges the fees listed below. Annual and joining fees are set by SBI Card and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹1,499
Annual fee: ₹1,499
forex markup fee: 3.5% Foreign currency transaction markup on international spends.
late payment fee: ₹950
Charged if minimum amount due is not paid by the due date.
over limit fee: ₹600
Charged when outstanding exceeds the credit limit.
cash advance fee: 2.5% 2.5% of the cash amount withdrawn (minimum ₹500).
fuel surcharge: ₹1 (waivable)
Fuel surcharge waiver at HPCL pumps up to ₹250 per month.
emi processing fee: ₹199
Per-transaction fee on EMI conversions.
card replacement fee: ₹100
Charged for physical card re-issue (lost / damaged).

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing Apollo SBI Card SELECT against another card on cost alone, the cleanest comparison is ₹1,499 joining + ₹1,499/yr vs. the equivalent on the alternative.

Rewards, points, and cashback on Apollo SBI Card SELECT

Apollo SBI Card SELECT earns 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere on eligible spends.

Reward rates by category:

shopping: 5.00 Points per Rs 1 spent
Accelerated earn on spends at Apollo 24|7 store (medicines, diagnostics, doctor consults).
healthcare: 5.00 Points per Rs 1 spent
Higher earn rate across Apollo Hospitals network.
dining: 3.00 Points per Rs 1 spent
all: 1.00 Points per Rs 1 spent
Monthly cap: ₹5,000
Base earn rate on all other retail spends; capped at 5,000 points/month.

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on Apollo SBI Card SELECT reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Beyond the headline reward rate, Apollo SBI Card SELECT includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

FITPASS PRO annual membership — 1-year FITPASS PRO
1-year FITPASS PRO membership unlocked on card activation — access to 7,500+ gyms, yoga & fitness studios across India.
Apollo 24|7 e-Gift Voucher — ₹1,500 voucher
Welcome e-Gift Voucher for Apollo 24|7 store credited on joining fee realization.
Up to 15% discount on Apollo 24|7 lab tests — Up to 15%
Discount across booked diagnostics & health check packages on Apollo 24|7.
Up to 4 free online doctor consultations per month — Up to 4 / month
Complimentary online consultations with Apollo 24|7 doctors (up to 4 per month, subject to platform T&Cs).
Air accident insurance cover — ₹50 lakh
Air accident insurance of up to ₹50 lakh when ticket is booked using the card.
Domestic lounge access — 4 / year
1 complimentary domestic lounge visit per quarter (4/year) via Visa/Mastercard airport lounge program.
Fuel surcharge waiver — Up to ₹250 / month
1% fuel surcharge waiver at HPCL fuel stations across India, capped at ₹250 per billing cycle.
No-cost EMI on Apollo 24|7
Convert Apollo 24|7 purchases of ₹2,500+ into 3/6/9/12 month no-cost EMI.

Insurance and consumer protection: most Visa cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if Apollo SBI Card SELECT advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

Eligibility: who should apply for Apollo SBI Card SELECT

Apollo SBI Card SELECT targets applicants who are 21-65 years old and earn at least ₹3,00,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (750+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / Self-employed both qualify for most cards), and your existing relationship with SBI Card — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: Good-to-excellent credit score (CIBIL/Experian) preferred. Eligible professions include: Salaried, Self-employed professionals, Business owners.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

Documents you will need

When you apply for Apollo SBI Card SELECT, SBI Card will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

pan card — required. Mandatory PAN for KYC and tax reporting.
aadhaar card — required. Aadhaar for address + identity verification (DigiLocker accepted).
passport size photo — required. Recent colour photograph.
salary slip — required. Last 3 months' salary slips for salaried applicants.
bank statement — required. Last 3–6 months' bank statement showing salary credit.
itr — optional. Last 1–2 years' ITR / Form 16 for self-employed applicants.
address proof — optional. Utility bill, passport or rent agreement if address differs from Aadhaar.

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.

How to apply

How to apply for Apollo SBI Card SELECT

Check eligibility
Confirm you meet the minimum income and credit score requirements using our eligibility checker.
Gather your documents
Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.
Apply on the bank's website
Click Apply Now. You'll be redirected to SBI Card to complete the application — FinWiz24 never sees your data.

FAQ

Frequently asked questions about Apollo SBI Card SELECT

What are the fees on Apollo SBI Card SELECT?

Apollo SBI Card SELECT has a joining fee of ₹1,499 and an annual fee of ₹1,499. The annual fee may be waived if you meet the bank's spend or relationship conditions.

Who is eligible for Apollo SBI Card SELECT?

Applicants need a minimum income of ₹3,00,000 per annum and a credit score of at least 750. Salaried and self-employed individuals can apply.

How does the rewards program on Apollo SBI Card SELECT work?

Apollo SBI Card SELECT earns 5 reward points per ₹100 on Apollo 24|7, pharmacy, and hospital spends; 1 reward point per ₹100 elsewhere on your spending. New cardholders also receive a welcome benefit worth checking the terms for. (1-year FITPASS PRO membership + Apollo 24|7 e-Gift Voucher on joining)

What documents are needed to apply for Apollo SBI Card SELECT?

You'll need a PAN card, an address proof (Aadhaar / passport / utility bill), an income proof (salary slip, Form 16, or ITR), and a passport-size photograph. Existing customers of SBI Card may have a simpler flow.

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Apollo SBI Card SELECT

Apollo SBI Card SELECT at a glance

About

Welcome Benefit

Card Benefits

Lounge Access1

Insurance1

GasPump Surcharge Waiver1

EMI Offers1

Lifestyle Benefits4

Best For

Categories

Foreign exchange, lounges & network

How to apply for Apollo SBI Card SELECT

Check eligibility

Gather your documents

Apply on the bank's website

Frequently asked questions about Apollo SBI Card SELECT

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