The verdict
India ka leading specialized healthcare credit card. Regular medicine purchases, doctor consultations ya lab tests ke liye 10% direct savings aur free health checkup ₹1,499 annual fee ko multiple times recover kar dete hain.
Apollo Pharmacy aur tests par ₹10,000/month spend karne par ₹1,000/month (saal ke ₹12,000) instant savings hoti hai. ₹1,500 free health checkup voucher, ₹900 dining savings aur ₹2L spend par fee waiver add karke saal ka ₹14,400+ net healthcare value banta hai.
Jo cardholders Apollo ecosystem use nahi karte, unke liye generic cashback cards like SBI Cashback ya HDFC Swiggy zyada helpful rahenge.
✓What works
- +Apollo Pharmacy stores aur Apollo 24|7 par medicines par 10% instant savings.
- +Apollo Clinics mein diagnostic lab tests aur screenings par 10% discount.
- +Saal ka ₹1,500 value ka complimentary comprehensive health checkup voucher.
- +Complimentary OneApollo Circle Tier membership with priority doctor appointments.
- +Dining, movies aur grocery shopping par 3X reward points (3 points per ₹100).
- +Saal mein ₹2,00,000 spend karne par 100% annual renewal fee waiver.
- +Petrol pumps par ₹500 se ₹3,000 par 1% fuel surcharge waiver.
✕What doesn't
- −₹1,499 + GST annual fee healthcare-focused benefits ke sath.
- −Complimentary airport lounge access included nahi hai.
- −10% discount strictly Apollo ecosystem par hi applicable hai.
What it earns
1 Apollo SBI Reward Point = ₹0.25 for Apollo vouchers.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Apollo 24|7, Pharmacy & Diagnostics | 10% Instant Savings + 1 Pt / ₹100 | Uncapped | ₹10,000 Instant Savings + 1,000 Pts |
| Dining, Movies & Groceries (3X) | 3 Points / ₹100 (0.75% value) | Uncapped | 3,000 Points (~₹750 value) |
| All Other Domestic Retail Spends | 1 Point / ₹100 (0.25% value) | Uncapped | 1,000 Points (~₹250 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
10% Instant Savings at Apollo + 3X on Dining
Apollo par 10% instant discount enjoy karein aur dining par 3X points earn karein.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Apollo Pharmacy & Apollo 24|7Apollo Pharmacy outlets aur online app par 10% direct savings. | 10% Instant · 10% Discount | Uncapped | — |
| Dining & EntertainmentRestaurants, food delivery aur movie tickets par 3 points per ₹100. | 3× · 3 Points / ₹100 | Uncapped | — |
Redemption options
Points ko Apollo Health Vouchers ya SBI Reward Catalogue mein redeem karein.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Apollo Pharmacy & Health VouchersBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
| SBI Card Reward Catalogue | ₹0.20 to ₹0.25 / Reward Point | 2,000 pts | None | ₹99 + GST |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Apollo Hospitals, Pharmacy, Diagnostics aur Apollo 24|7.
- +Dining, food delivery apps aur cinema tickets.
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Fuel purchases (sirf 1% surcharge waiver milega).
- −ATM cash withdrawals aur digital wallet loads.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹1,499 + GST (₹1,500 Health Check Voucher Included) |
| Annual Renewal Fee | ₹1,499 + GST (Saal mein ₹2,00,000 spend par waived) |
| Finance Charges (Interest Rate) | 3.75% per month (45.0% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | ₹500 se ₹3,000 ke transactions par 1% waiver (Max ₹100/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 se 65 saal |
| Minimum Monthly Income | ₹30,000+ per month (Salaried) ya ₹5L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 730+ recommended for smooth approval |
Frequently Asked Questions
Kya Apollo SBI Card SELECT par airport lounge access milta hai?
Apollo SBI Card SELECT ke MITC charges, annual fee aur interest rate kya hain?
Apollo SBI Card SELECT par reward rate aur points ki real rupee value kya hai?
Apollo SBI Card SELECT par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Apollo SBI Card SELECT kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Apollo SBI Card SELECT
Apollo SBI Card SELECT SBI Card ka dedicated healthcare aur wellness co-branded credit card hai jo Apollo Hospitals Group ke sath Visa Signature platform par issue kiya gaya hai. Recurring medical bills, elderly care, monthly medicine prescriptions aur wellness consultations manage karne wale households ke liye tailored is card ki annual fee ₹1,499 + GST hai, jo previous card anniversary year mein ₹2,00,000 qualifying retail spend complete karne par 100% waive ho jaati hai.
Yeh card Apollo ke comprehensive healthcare network mein substantial direct savings provide karta hai: joining fee payment par ₹1,500 diagnostic health checkup voucher plus 1,500 bonus reward points (100% immediate fee offset), complimentary OneApollo Gold Circle tier status, Apollo 24|7 aur Apollo Hospitals par health screenings aur doctor consults par flat 10% instant discount, Apollo Pharmacy products par up to 10% discount, dining aur movies par 3 reward points per ₹100, aur 1% fuel surcharge waiver.
Key Privileges aur Everyday Benefits
- ₹1,500 Health Checkup Voucher + 1,500 Bonus Points: Joining fee realization par ₹1,500 worth diagnostic health screening voucher aur 1,500 bonus reward points receive karein (100% immediate fee recovery).
- Complimentary OneApollo Gold Circle Membership: Apollo Hospitals, Apollo Clinics aur Apollo Spectra facilities mein elite healthcare priority perks enjoy karein.
- 10% Instant Discounts Across Apollo Ecosystem:
- Apollo Hospitals aur Apollo Diagnostics par preventive health packages aur lab tests par 10% instant discount.
- Apollo 24|7 app par online specialist doctor consultations par flat 10% instant discount.
- Apollo Pharmacy par select wellness supplements aur personal healthcare products par up to 10% instant discount.
- Lifestyle Rewards on Dining & Movies: Restaurants aur cinema multiplexes par 3 reward points per ₹100 (0.75% valueback) earn karein.
- Base Rewards on General Retail: Baaki sabhi retail spends par 1 reward point per ₹100 (0.25% return) base rate.
- Annual Spend Fee Waiver Benchmark: Previous anniversary year mein ₹2,00,000 retail spend complete karne par ₹1,499 renewal fee completely 100% waive ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Pharmacy Discount Conditions: 10% discount select wellness items par valid hai; government price-controlled (DPCO) prescription medicines par regulatory rules ki wajah se commercial discounts apply nahi hote.
- OneApollo Mobile Number Linking: Store billing se pehle counter par registered OneApollo mobile number quote karna zaroori hai.
- Zero Airport Lounges: Is card par koi domestic ya international airport lounge access included nahi hai.
- Redemption Processing Charges: Accumulated reward points redeem karne par standard ₹99 + GST processing fee charge hoti hai.
- Excluded Categories: Fuel spends, wallet top-ups, rent payments, aur government taxes par reward points nahi milte.
Yeh Card Kinke Liye Best Fit Hai
- Families with Monthly Medical Expenses: Jinka regular budget Apollo Pharmacy se medicines aur health supplements purchase karne par spend hota hai.
- Preventive Health Prioritizers: Jo annual family health checkups, blood tests aur doctor consultations schedule karte hain.
- Apollo 24|7 App Users: Jo Apollo ecosystem ko apna primary digital family healthcare partner mante hain.
- 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
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
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