Apollo SBI Card Select - Prioritize Your Health And Enjoy Premium Benefits

In today's blog, we will provide you with information about the Apollo SBI Card Select, mainly about its welcome benefits, cashback rate, and more. For more information, read below:-

The Apollo SBI Card Select is not an average credit card, it’s built with a very practical focus in mind. Most cards compete on flashy lifestyle perks or travel points, but this one puts your health and everyday needs right at the center, while still giving you plenty of extras on the side. It’s essentially a card that understands that hospital visits, pharmacy purchases, and regular health check-ups are just as much a part of life as shopping or dining out.

What makes it different is the special partnership with Apollo Hospitals and its group of companies. This isn’t just a marketing tie-up; it works in your favor if you or your family use Apollo’s services regularly. From earning faster reward points on doctor consultations and lab tests to saving more on medicines at Apollo Pharmacies, it’s designed to make the cost of healthcare a little easier to manage. Over time, those benefits can add up to real savings, especially for families with regular medical needs.

But it’s not a “health-only” card. The Apollo SBI Card Select still rewards you for your everyday lifestyle spending, whether that’s dining, entertainment, shopping, or travel. The reward points system is simple and versatile, so you can redeem them for vouchers, gifts, or even to offset your statement balance. That way, even your usual purchases are quietly working for you in the background.

Frequent travelers will appreciate the complimentary domestic airport lounge access. It’s one of those perks you don’t think about much until you use it, then you realize how much nicer it is to relax in a lounge rather than sit in a crowded boarding area. Add in the fuel surcharge waiver, and even your drives to work or weekend road trips become a little cheaper.

What Are The Benefits Of Apollo SBI Card Select?

The card offers a number of benefits, specifically pertaining to health and fitness. We have listed the key benefits below:

• Apollo SBI Card Select gives you magnificent benefits in terms of health. Individuals who are facing health-related issues and are concerned about their routine check-ups get the advantage of this card.

• The users will get an Apollo 24/7 e-Gift Voucher worth INR 1,500 on payment of joining fees.

• Special offers on health check-ups and wellness packages when you spend INR 50,000 within 90 days of joining.

• Complimentary access to 600+ airport lounges worldwide (on a complimentary basis or with discounted access).

• Enjoy a 1-year complimentary gym membership FITPASS PRO when you pay the joining fees and have to make at least one retail transaction.

  
  

  

  
  

What Are The Reward Benefits of Having An Apollo SBI Credit Card?

• It renders a 10% off on medical bills at Apollo Hospitals.

• Earn 10 reward points for every INR 100 spent on Apollo Hospitals and Apollo Pharmacy.

• Earn 2 reward points per INR 100 spent on dining, movies & entertainment, and travel.

• Earn 1 reward point per INR 200 spent on other purchases.

• 10% Discounts on Apollo Pharmacy and other healthcare services.

What Are The Pros of Having An Apollo SBI Credit Card? 

1. It provides healthcare benefits.

2. Users will take advantage of their reward point system.

3. Travel and entertainment perks.

4. Exclusive benefits include lounge access, gym access, and free check-ups.

5. EMI options users can easily pay no need to take stress.

What Are The Cons of Having An Apollo SBI Credit Card?

1. Limited healthcare discounts are only restricted to Apollo-related services.

2. High spending over a shorter time to unlock more benefits.

3. Limited travel perks in terms of international coverage.

   
   

Network Type- Visa Platinum and Rupay Platinum

Visa Platinum is a globally recognised payment network, giving cardholders seamless acceptance across millions of merchants worldwide along with travel-related perks, insurance coverage, and emergency assistance services, making it ideal for those who travel internationally or shop on global platforms.

RuPay Platinum, on the other hand, is designed with a focus on domestic usage. It offers benefits like complimentary airport lounge access in India, purchase protection, and integration with UPI, all while keeping transaction charges lower within India.

By offering both networks, SBI and Apollo Hospitals ensure the card appeals to a wider audience, whether you want the global reach of Visa or the domestic perks and UPI compatibility of RuPay. Essentially, it’s about giving flexibility: Visa for worldwide spending freedom, RuPay for value-packed usage at home.

What Are The Charges And Annual Fees For Apollo SBI Credit Card?

• Joining Fees: INR 1,499 + GST

• Annual fees: INR 1,499 (waived on 3 lakh annual spend )

• Foreign currency markup: 3.5% of the transaction amount.

• Cash advance fees: 2.5% of the amount or INR 500 (whichever is higher)

• Late payment charge: INR 0 to INR 1,300 (based on outstanding amount)

• Reward redemption fees: INR 99 per redemption

• Interest rate: 3.50% per month (~ 42% per annum)

  
  

Conclusion:-

All things considered, the Apollo SBI Card Select is one of those rare credit cards that actually feels practical in everyday life. Instead of focusing only on luxury or niche perks, it brings together two things that matter to most people—healthcare and lifestyle rewards—and does both fairly well. If you or your family use Apollo Hospitals, pharmacies, or diagnostic centers regularly, the extra discounts and accelerated rewards will quickly justify having this card.

It’s also nice that the card doesn’t stop at health benefits. The lounge access, fuel surcharge waiver, and general reward points on dining, shopping, and entertainment make it useful even when you’re not dealing with medical expenses. The insurance coverage and Visa Signature privileges add another layer of value, giving you peace of mind whether you’re at home or traveling.

This card is not the perfect fit for everyone. If you rarely visit Apollo services, you might not get the full value from the healthcare perks. But for people who do, it feels like a card that genuinely understands their spending patterns and gives back in meaningful rewards.

If you want to know the unbiased AI score of Apollo SBI Card Select, read their detailed review, click here