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% |
Apply for a Credit Card & Get Instant Approval
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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Apollo SBI Bank Credit Card Highlights
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
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.
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.
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
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.
