{
  "id": "sbi-apollo-sbi-card",
  "locale": "en",
  "name": "Apollo SBI Card SELECT",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹1,499 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "10% instant discount at Apollo Healthcare · 3 points / ₹100 dining and movies",
  "bestFor": "Families and individuals with recurring healthcare, medicine, pharmacy, diagnostic and wellness expenses at Apollo",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/apollo-sbi-card.html",
  "aiVerdict": {
    "score": 2.6,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-apollo-sbi-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card & Apollo Hospitals — Apollo SBI Card SELECT official schedule of charges and MITC",
    "Apollo 24|7 & Apollo Pharmacy Partnership — 10% instant discount, health check vouchers & OneApollo membership terms"
  ],
  "feeWaiver": "Waived at ₹2,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹1,499 + GST (Waived on ₹2L spend)"
    },
    {
      "key": "Welcome Health Kit",
      "value": "Complimentary Apollo Health Checkup Voucher + 1,500 Reward Points"
    },
    {
      "key": "Apollo Healthcare",
      "value": "10% Instant Savings across Apollo ecosystem"
    },
    {
      "key": "Accelerated Rewards",
      "value": "3X Points (3 pts / ₹100) on Dining & Movies"
    },
    {
      "key": "OneApollo Tier",
      "value": "Complimentary OneApollo Circle Membership"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹500 to ₹3,000"
    }
  ],
  "earnRates": [
    {
      "category": "Apollo 24|7, Apollo Pharmacy & Diagnostics",
      "rate": "10% Instant Savings + 1 Pt / ₹100",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹10,000 Instant Savings + 1,000 Pts"
    },
    {
      "category": "Dining, Movies & Groceries (3X)",
      "rate": "3 Points / ₹100 (0.75% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (~₹750 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Apollo Pharmacy & Apollo 24|7",
      "multiplier": "10% Instant",
      "rate": "10% Discount",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10% instant savings at Apollo Pharmacy retail outlets and Apollo 24|7 app."
    },
    {
      "channel": "Dining & Entertainment",
      "multiplier": "3×",
      "rate": "3 Points / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 reward points per ₹100 across restaurants, food delivery, and cinema tickets."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Apollo Pharmacy & Health Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SBI Card Reward Catalogue",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,499 + GST (Includes ₹1,500 Health Check Voucher + 1,500 Pts)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,499 + GST (Waived on ₹2,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.75% per month (45.0% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹3,00,0 transactions (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹30,000+ per month (Salaried) or ₹5L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "730+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}