Read the detailed review of the SBI Apollo Select Credit Card. Get insights on health benefits, airport lounge access, rewards, milestone perks, annual fees, and eligibility.
SBI Apollo Select Credit Card Review 2025 – Complete Benefits, Rewards & Fees
SBI has launched a new co-branded credit card in partnership with Apollo – the SBI Apollo Select Credit Card. As the name suggests, this card is specially designed to provide exclusive healthcare benefits, but it also offers airport lounge access, reward points, milestone perks, and lifestyle privileges.
In this detailed review, we will cover the welcome benefits, health rewards, airport lounge access, milestone benefits, annual fees, and eligibility criteria to help you decide whether this card is right for you.
Key Benefits of SBI Apollo Select Credit Card
1. Welcome Benefits
- ₹1500 Apollo 24|7 Gift Voucher on payment of the joining fee.
- 1-Year Free Apollo Circle Membership:
- 15% cashback on medicines
- 20% cashback on lab tests
- Free medicine delivery
- Annual health check-up
- ₹1 lakh accidental insurance coverage
- Free FitPass Pro Membership (1 year) – access to gyms and fitness classes.
👉 These benefits easily cover the joining fee of ₹1499.
2. Healthcare Benefits
- 25% savings on Apollo 24|7 (combination of reward points + membership discount).
- Free doctor consultations via Apollo 24|7 app.
- Free delivery on medicines.
- Complimentary annual health check-up.
3. Rewards Program
- ₹100 spent on Apollo = 10 Reward Points
- ₹100 spent on dining, movies, entertainment, travel, groceries & online retail = 2 Reward Points
- ₹100 spent on beauty & wellness = 1 Reward Point
- Other spends = 1 Reward Point per ₹200
- 1 Reward Point = ₹1 (redeemable as Apollo Health Credits)
Note: No rewards on fuel transactions.
4. Airport Lounge Access
- 4 Complimentary Domestic Airport Lounge Access per year (1 per quarter).
- 2 Complimentary International Lounge Access per year via Priority Pass.
5. Milestone Benefits
- Spend ₹50,000 in first 90 days → Free Comprehensive Health Check-up worth ₹1,999.
- Spend ₹6,00,000 in a year → Complimentary Noise Smartwatch worth ₹7,999.
6. Fuel Surcharge Waiver
- 1% fuel surcharge waiver (₹500 – ₹4000 transaction range).
- Max benefit: ₹100 per month.
7. Other Features
- Flexipay Option: Convert spends above ₹2500 into easy EMIs.
- Add-On Cards available for family members (18+ years).
Fees & Charges
- Joining Fee: ₹1499 + GST
- Renewal Fee: ₹1499 (waived on annual spend of ₹3,00,000)
- Cash Withdrawal Fee: 2.5% or ₹500 (whichever is higher)
- Finance Charges: 3.5% per month (42% annually)
- Forex Markup Fee: 3.5% on international transactions
Eligibility Criteria
- Minimum age: 21 years
- Healthy credit score
- Valid PAN, ID proof, and address proof
- Stable monthly income
Final Verdict – Should You Apply?
The SBI Apollo Select Credit Card is a great choice if you:
- Spend frequently on healthcare, medicines, and lab tests.
- Want free airport lounge access (domestic + international).
- Are looking for exclusive health benefits like free doctor consultations and health check-ups.
If you are someone who prioritizes health + travel perks, this card provides excellent value for its fees.
👉 You can apply for this card online through the SBI Card website or partner links.
✅ Best For: Healthcare benefits + Lifestyle perks + Lounge access.
❌ Not Ideal For: Heavy fuel spenders (no rewards on fuel).