Apollo SBI Card SELECT
SBI
₹1,499
Joining fee
₹1,499, waived at ₹3L spend
Annual fee
Waived on spending Rs 3 lakh in the previous year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Lounge access
Domestic: 4 complimentary visits annually (max 1/quarter), no minimum spend requirement specified
International: Internal inconsistency: aggregator first states 'None mentioned' but separately notes a complimentary Priority Pass membership for two years; official page confirms only general 'lounge access' without specifying counts or domestic/international split.
Reward details
1 point per Rs 200 on other spends
- 10 points per Rs 100 on Apollo pharmacy/24x7
- 2 points per Rs 100 on Dining, travel, movies, entertainment
Redemption
1:1 ratio conversion to Apollo Health Credits; points redeemable as Apollo vouchers
Ratio: 1:1
- Rs 1,500 Apollo 24/7 e-gift voucher
- Up to 15% value back on medicines
- Apollo Circle membership
- Fuel surcharge waiver
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated rewards on healthcare network spending; complimentary annual health checkup; straightforward 1:1 redemption value — Paisabazaar
Complaints
- Redemption restricted to Apollo Health Credits only; limited base reward rate (0.5%); no confirmed international lounge access despite the Priority Pass membership mention — Paisabazaar
Sources
- Official — partial benefit highlights only
- Aggregator — fees, lounge, rewards, sentiment