Apollo SBI Card SELECT
SBI Card · Open to apply
An Apollo healthcare card: 10 points per ₹100 at Apollo 24|7 and Apollo Pharmacy and 2 per ₹100 on dining, movies and travel (each up to 5,000 points a statement), 1 per ₹200 elsewhere; points are worth ₹1 each only as Apollo Health Credits. A ₹1,500 Apollo voucher, FITPASS PRO, health check-ups, four domestic lounge visits and a smartwatch at ₹6 lakh of spends.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 1 point per ₹200 on other purchases: 1 SBI Card Reward Points per ₹200 (about 0.5% at cash value)
- Lounges
- Domestic: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 points per ₹100 at Apollo 24|7 and Apollo Pharmacy: 10 SBI Card Reward Points per ₹100 (about 10% at cash value)
- 2 points per ₹100 on dining, movies and entertainment, and travel: 2 SBI Card Reward Points per ₹100 (about 2% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on e-wallet loads (MCCs 6540, 6541)
- No points on cash advances and ATM withdrawals
- No points on Flexipay and Merchant EMI
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on digital gaming platforms (MCCs 5816, 7993, 7994)
Where the sources disagree
- Fuel surcharge waiver range: The product page says the 1% waiver applies "on all petrol pumps across India" with a ₹100 cap; the booklet limits it to transactions between ₹500 and ₹4,000. We use the booklet.
- Cap period of the 5,000-point cap: The booklet calls the cap both "Maximum Cap of 5,000 Reward Points / Statement Cycle" and "the monthly cap"; the FAQ says per statement cycle. We use the statement cycle.
Terms the calculator does not value
- Apollo Circle value back (up to 15% on medicines and up to 20% on diagnostics, paid by Apollo as Health Credits on top of the card's points): it is Apollo's, sits outside SBI Card's reward points and has no published cap, so it is not entered as an earn rule. It could roughly double the card's return at Apollo.
- Points are redeemable only as Apollo Health Credits; value ₹1 is only realised by spending credits at Apollo, so the card's value for people who do not use Apollo is lower than the calculator shows.
- Complimentary Apollo health check-up and FITPASS PRO are valued only for the health check-up (₹1,999 as the issuer states, one a year); FITPASS PRO states no value. The check-up is a voucher for one named package, so ₹1,999 is the issuer's figure, not a cash value.
Sources
- Apollo SBI Card SELECT product-page data file (fees, rewards, welcome, milestones, lounges) (Product page, the bank's own, read 6 Nov 2026)
- Apollo SBI Card SELECT Terms and Conditions booklet (PDF created 14 Jan 2026, modified 16 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, annual and renewal fee table (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Apollo SBI Credit Card SELECT FAQ (FAQ, the bank's own, read 6 Nov 2026)
- Apollo SBI Card SELECT welcome voucher and built-in Circle benefit terms (one PDF) (Reward terms, the bank's own, read 6 Nov 2026)
- Apollo SBI Card SELECT Master Health Checkup and FITPASS PRO terms (Reward terms, the bank's own, read 6 Nov 2026)
- NOISE ColorFit Pulse 4 Pro smartwatch offer terms (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program notice, w.e.f. 10 Jan 2026 (Set A and Set B) (Bank notice, the bank's own, read 6 Nov 2026)