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Apollo SBI Card SELECT

SBI Card

Apollo SBI Card SELECT — card image from the issuer's official page

Annual / renewal fee

₹1,499 + GST.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Earn rate

  • 10 Reward Points per ₹100 on Apollo 24|7 App & Stores.
  • 2 Reward Points per ₹100 on Dining, Movies & Entertainment, and Travel.
  • 1 Reward Point per ₹200 on other purchases.
  • For UPI payments at Apollo 24|7 and Apollo Pharmacy, 1 Reward Point per ₹200. 1 Reward Point = 1 Apollo Health Credit = Re. 1.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-04
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Overview

Apollo SBI Card SELECT by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹1,499 + GST.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Annual / renewal fee

₹1,499 + GST.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Fee waiver

Renewal/Annual fee of ₹1,499 reversed on spending ₹3 lakh in previous membership year.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Renewal fee

₹1,499 (Waived off on annual spends of ₹3 Lakh or more in the preceding year).

VerifiedMost Important Terms & Conditions (MITC) – All SBI Cards4 Aug 2026, 3:55 PM ISTSBI Card

Rewards

  • 10 Reward Points per ₹100 on Apollo 24|7 App & Stores.
  • 2 Reward Points per ₹100 on Dining, Movies & Entertainment, and Travel.
  • 1 Reward Point per ₹200 on other purchases.
  • For UPI payments at Apollo 24|7 and Apollo Pharmacy, 1 Reward Point per ₹200. 1 Reward Point = 1 Apollo Health Credit = Re. 1.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM IST

Redemption value

  • 1 Reward Point = 1 Health Credit = Re.1.
  • Reward Points redeemable only for Apollo Health Credits (1:1 ratio) via SBI Card Mobile App or Website.
  • Rewards Redemption Fee: ₹99.
  • Reward Points expire after 24 months from date of accrual.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Reward cap

  • Maximum 5,000 Reward Points per Statement Cycle applied separately to two categories: Instore Spends (Apollo 24|7 App & Stores) capped at 5,000.
  • Dining, Movies & Entertainment, Travel capped at 5,000.
  • After reaching the cap in each category, cardholder accrues 1 Reward Point per ₹200 on eligible transactions in accelerated categories.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Reward exclusion

Balance TransfersCash AdvancesFinancial Charges (Late Payment FeeDishonored Cheque ChargesService FeeTransaction Charges)Disputed TransactionsATM Withdrawalspetrol pumps/service stations (MCC 5172554155425983)E-wallet loading (MCC 65406541)Flexipay TransactionsMerchant EMIRent Payments (MCC 6513)Government transactions (MCC 93999311)and Digital Gaming Platforms/Merchants (MCC 581679937994)

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Travel & lounge

Lounge access

  • 4 complimentary domestic lounge visits per year (max 1 per quarter).
  • Complimentary 2-year Priority Pass Membership (no complimentary international visits; visits charged at USD 27 + applicable taxes per visit).
  • Lounge visits within India via International Lounge Access Programs charged up to USD 27 + taxes per visit.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Apollo 24|7 e-Gift Voucher worth ₹1,500 on payment of joining fee, plus 1-year complimentary FITPASS PRO Membership (on payment of joining fee and making at least one retail transaction), and built-in Apollo Circle Benefits.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Dining benefit

1-year complimentary FITPASS PRO Membership on payment of joining fee and making at least one retail transaction.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Insurance

  • ₹1 lakh Accidental cover (built-in Apollo Circle benefit).
  • Complimentary lost/stolen card insurance / fraud liability cover on certain cards, provided by an insurance company.

VerifiedWelcome Voucher Terms & Conditions – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Milestone benefit

  • Complimentary Noise Smartwatch worth ₹7,999 on annual spend of ₹6 lakh.
  • Additionally: Complimentary Comprehensive Health Check-up Package on spending ₹50,000 within 90 days of joining, and an additional one on spending ₹50,000 within 90 days of card anniversary from second membership year.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Eligibility

Eligibility

  • Available on RuPay and Mastercard networks.
  • RuPay variant can be linked to any UPI app for payments.
  • Mastercard variant cannot be linked to UPI apps.

VerifiedFAQ / Rewards & Program Terms – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Charges & interest

Forex markup

  • 3.5% Foreign Currency Transaction Fee (not applicable for Krishak Unnati SBI Card).
  • Dynamic Currency Conversion Fee 3.5% on transactions >= ₹1,000 in Indian currency at international locations or India-merchants registered overseas.

VerifiedMost Important Terms & Conditions (MITC) – All SBI Cards4 Aug 2026, 3:55 PM ISTSBI Card

Charge

  • Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
  • Minimum Finance Charge ₹25.
  • Cash Advance Fee: 2.5% of transaction amount, minimum ₹500 (domestic and international ATMs).
  • Cash Payment Fee: ₹250.
  • Cheque Payment Fee: ₹200.
  • Payment Dishonor Fee: 2% of Payment amount, minimum ₹500.
  • Late Payment Charges: Nil up to ₹100.
  • ₹100 (>₹100-500).
  • ₹500 (>₹500-1,000).
  • ₹750 (>₹1,000-10,000).
  • ₹950 (>₹10,000-25,000).
  • ₹1,100 (>₹25,000-50,000).
  • ₹1,300 (>₹50,000).
  • Plus additional ₹100 for missing MAD two consecutive cycles.
  • Overlimit Fee: 2.5% of overlimit amount, minimum ₹600.
  • Card Replacement Fee: ₹100-₹250.
  • Dynamic Currency Conversion Fee: 3.5%.
  • Rewards Redemption Fee: ₹99.
  • Rent Payment Processing Fee: ₹199.
  • Utility Payments Fee (w.e.f. 1st Dec 2024): 1% if total Utility Payments exceed ₹50,000 in a billing cycle.
  • Fee on Education Payments via third-party apps (w.e.f. 1st Nov 2025): 1%.
  • Fee on Wallet Load (w.e.f. 1st Nov 2025): 1% on every wallet load transaction exceeding ₹1,000.

VerifiedMost Important Terms & Conditions (MITC) – All SBI Cards4 Aug 2026, 3:55 PM ISTSBI Card

Fuel surcharge waiver

  • 1% Fuel Surcharge Waiver for each transaction between ₹500 and ₹4,000.
  • Maximum surcharge waiver of ₹100 per statement cycle, per credit card account.
  • Applicable for MCCs 5172, 5541, 5542, 5983.

VerifiedTerms & Conditions Booklet – Apollo SBI Card SELECT4 Aug 2026, 3:55 PM ISTSBI Card

Interest-free period

Interest free credit period ranges from 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

VerifiedMost Important Terms & Conditions (MITC) – All SBI Cards4 Aug 2026, 3:55 PM ISTSBI Card

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Apollo SBI Card SELECT?

Officially traced: Rs. 1,499 + GST.

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

What is the joining fee on the Apollo SBI Card SELECT?

Officially traced: Rs. 1,499 + GST.

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

Is the Apollo SBI Card SELECT annual fee ever waived?

Renewal/Annual fee of Rs. 1,499 reversed on spending Rs. 3 lakh in previous membership year.

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

How does the Apollo SBI Card SELECT earn rewards?

10 Reward Points per Rs. 100 on Apollo 24|7 App & Stores; 2 Reward Points per Rs. 100 on Dining, Movies & Entertainment, and Travel; 1 Reward Point per Rs. 200 on other purchases.

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

What lounge access does the Apollo SBI Card SELECT include?

4 complimentary domestic lounge visits per year (max 1 per quarter).

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

What welcome benefit does the Apollo SBI Card SELECT offer?

Apollo 24|7 e-Gift Voucher worth Rs. 1,500 on payment of joining fee, plus 1-year complimentary FITPASS PRO Membership (on payment of joining fee and making at least one retail transaction), and built-in Apollo Circle Benefits.

FAQ / Rewards & Program Terms – Apollo SBI Card SELECT

What are the transfer ratios for Apollo SBI Card SELECT points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageFAQ / Rewards & Program Terms – Apollo SBI Card SELECTMost Important Terms & Conditions (MITC) – All SBI CardsTerms & Conditions Booklet – Apollo SBI Card SELECTWelcome Voucher Terms & Conditions – Apollo SBI Card SELECT

Official terms

https://www.sbicard.com/en/personal/credit-cards/rewards/apollo-sbi-card-select.page.

VerifiedApollo SBI Card SELECT product page4 Aug 2026, 3:55 PM ISTSBI Card

Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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