State bank of india

Apollo SBI Bank Credit Card

Fuel

International Use

Reward

MyBankingTips Rating

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499*Plus Applicable Taxes

Fuel

International Use

Reward

MyBankingTips Rating

Joining Fee: ₹499* + Tax

Renewal Fee: ₹499* + Tax

Fuel

Get 1% fuel surcharge waiver at all petrol pumps, capped at ₹100 per month.

International Use

Apollo SBI Credit Card is accepted at 24+ million global outlets and 3.25 lakh in India.

Reward

Earn 2X RPs/₹100 on movies, dining & entertainment, 1 RP on beauty/wellness, 3X on Apollo, 1 RP/₹200 on other spends.

Welcome benefits:-

Apollo gift voucher worth ₹500 on card activation
Complimentary Apollo Circle Membership for 1 year (worth ₹999)

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Apollo SBI Bank Credit Card

The Apollo SBI Credit Card, launched with Apollo Hospitals, is one of the few credit cards that offers benefits on healthcare. You get instant discounts on select Apollo services and extra reward points when you spend at Apollo hospitals and pharmacies.

Most credit cards focus on shopping, travel, or dining, but this card is made for people who spend on medical needs. It’s a good option if you or your family often visit Apollo centres. The card has a low annual fee of Rs. 499.

Card is best used at Apollo network for maximum value
Apollo Circle includes free consultations, discounted diagnostics, priority appointments

Apollo SBI Bank Credit Card Rewards Program

Reward Points

1 RP per ₹200 on all non-fuel retail spends
1 RP per ₹100 on beauty and wellness services
2X RP per ₹100 on dining, movies, and entertainment
3X RP per ₹100 on Apollo services
Note: 1 Reward Point = ₹1 when redeemed as Apollo Health Credits

Other Features and Benefits

Welcome Benefits

Complimentary Apollo Silver Tier Membership on payment of the joining fee
500 reward points worth ₹500 as a welcome gift

Instant Discount

Up to 10% instant discount on select Apollo services

Spend-Based Annual Fee Reversal

Spend ₹90,000 or more in a year to get next year’s annual fee waived

Fuel Surcharge Waiver

1% waiver on fuel transactions of ₹500 to ₹3,000 (max waiver of ₹100 per month)

Worldwide Acceptance

Accepted at over 24 million outlets globally
Accepted at more than 3.25 lakh outlets in India

Add-on Cards

Get extra cards for your family members (parents, spouse, siblings, or children above 18 years)

Utility Bill Payments

Use the Easy Bill Pay facility to pay electricity, phone, gas, and other utility bills conveniently

Flexipay (EMI) Facility

Convert any purchase above ₹2,500 into easy EMIs
Request Flexipay within 30 days of purchase via sbicard.com

Easy Money Facility

Get a cheque or draft against your available credit limit
Request it online and get it delivered to your doorstep

Balance Transfer on EMI

Transfer outstanding balances from other credit cards to Apollo SBI Card
Pay back in easy monthly EMIs at lower interest

Contactless Payments

Tap to pay without entering a PIN for small purchases
Secure and fast — your card never leaves your hand

Fees and Charges

Type of Charge	Amount
Annual fee	Rs.499
Renewal Fee	Rs.499
Finance charges	Up to 3.35% monthly
Add-on card fee	Nil
Cash advance fee at SBI ATMs or other ATMs	2.5% of the transaction amount subject to a minimum of Rs.500
Cash advance fee	2.5% of the amount withdrawn or Rs.500 (Domestic ATMs) 2.5% of the amount withdrawn or Rs.500 (International ATMs)
Finance Charges	3.50% per month or 42% per annum
Payment dishonour fee	2% of the payment amount subjected to a minimum of Rs.450.
Statement request	Rs.100 per statement (more than 2 months old)
Cash payment fee	Rs.250
Late payment charges	From Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Cheque payment fee	Rs.100
Over limit fee	2.5% of the over limit amount; minimum of Rs.600
Rewards redemption fee	Rs.99
Foreign currency transaction	3.50%

Things to Know Before you apply

Get this card if:

If you frequently visit Apollo Hospitals, Clinics, or Pharmacies.
If you spend regularly on healthcare and preventive wellness.
If you prefer paying your medical bills through EMIs.
If you want to earn rewards and discounts on health-related expenses.
If you’re looking for a credit card focused on medical and wellness benefits.
If you want complimentary Apollo Circle Membership for added perks.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Apollo SBI Bank Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Apollo SBI Bank Credit Card Hilights

What do we like about this card?

3X reward points on every Rs. 100 spent at Apollo services
Up to 10% instant discount on select Apollo services
Complimentary Apollo Gold Tier Membership
1% fuel surcharge waiver at all petrol pumps (on transactions Rs. 500–3,000)
Annual fee waiver on spending Rs. 90,000 in a year

Pros

Excellent value on Apollo medical and pharmacy spends
Complimentary Apollo Circle Membership
EMI facility available for healthcare bills
Extra reward points on lifestyle spending like dining and movies
1% fuel surcharge waiver

Cons

Rewards are mostly limited to Apollo services
No lounge access or air travel benefits
Not ideal for users with low healthcare-related spending
No cashback feature

SBI Bank Credit Card Contact Details

SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.

Frequently Asked Questions

Everything you need to know about this credit card

The joining fee is ₹499 + GST, it can be waived if you spend ₹1 lakh or more in an anniversary year.

You can use the Apollo SBI Credit card at over 24 million outlets globally, including 3.25 lakh outlets in India.

The annual fee is ₹499 and is reversed if you spend ₹90,000 or more in the previous year.

The monetary value of reward points is 1 Reward Point (RP) = ₹1. These points can only be redeemed for services at Apollo Healthcare Centers and related stores.

Yes, the Apollo SBI Credit Card offers a balance transfer option.

Yes, you get a 1% fuel surcharge waiver on transactions ranging from ₹500 to ₹3,000, subject to a maximum of ₹100 per month.

OneApollo is an integrated healthcare program under which you earn health credits that can be used to pay for medical expenses. The card also includes Apollo Gold Tier Membership as a benefit.

Visit the SBI Credit Card website, navigate to the Apollo SBI Credit Card section, and click on the "Track Your Application" option. Enter your reference/application number to check the status.

Yes, you can withdraw cash, but a fee of 2.5% of the transaction amount (minimum ₹300) will be charged per transaction.

No, the reward points earned on the Apollo SBI Credit Card can only be redeemed for services at Apollo Healthcare Centers and associated stores, not for other purposes.