Sbi Apollo
SBI Card
Sbi Apollo
SBI Card
Annual Fee
₹499
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Apollo
5% cashback on Apollo 24/7 + Apollo pharmacy; 1% on other spends. Free Apollo 24/7 membership. Health benefits.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleApollo Health Benefits
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹499 with no waiver option
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 1% | 100 pts≈ ₹25 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Apollo Health Benefits
Discounts on Apollo Pharmacy, Apollo Clinics, and diagnostic tests
~₹4,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
~₹2,000/yr value
Fraud Protection
Zero liability on lost card fraud
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Annual Fee Waiver – ₹2L Spend: Annual fee of ₹499 waived on achieving annual net spends of ₹2,00,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹499 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Apollo.
Ready to apply for Sbi Apollo?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.