Apollo SBI Card SELECT

Renewal feeJoining fee

₹1,499 + GSTRs. 1,499 + taxes from second year onwards, per annum

Fee waiver rule

Renewal Fee waived if annual spends in the previous year are ₹3 Lakhs or more.

Add-on card fee

₹0Nil, per annum

Welcome benefit

Get Apollo 24|7 e-Gift Voucher worth ₹1,500 on payment of Joining Fee · Complimentary in-built Apollo Circle Benefits.

Reward rate

1 Reward Point per ₹200 · everyday spends1 Reward Points per ₹200 spent on Other purchases.

Reward earning on dining spends

2 Reward Points per ₹100 spent on Dining.

Travel earning

2 Reward Points per ₹100 spent on Dining, Movies & Entertainment and Travel.

Statement-credit redemption

You can redeem your Reward Points for Apollo Health Credits only

Point expiry

24 months

What one reward unit is worth

1 Reward Point = 1 Health Credits = Re. 1.

Domestic lounge access

4 Complimentary domestic airport lounge access per year (max. 1 per quarter)

Priority Pass

2-year complimentary Priority Pass Membership worth $99.

Benefit given each anniversary year

Complimentary Comprehensive Health Check-up Package on spending ₹50,000 within 90 days of card anniversary every year

Milestone benefits

Complimentary Noise Smartwatch worth ₹7,999 on annual spends of ₹6 Lakhs.

Fuel surcharge waiver

1% fuel surcharge waiver on all petrol pumps across India. Maximum waiver of ₹100 per statement cycle.

Add-on card eligibility

Add-on cards for parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks' credit cards to this card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

applicable on transactions of ₹2,500 or more

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher at domestic ATMs; 2.5% or ₹500 whichever is higher at international ATMs.

Cash withdrawal limit

Max. cash withdrawal limit is ₹15,000 per day on MCC – 6011 (ATM Withdrawals), subject to Cash Advance Limit availability.

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil to ₹1,300

Over-limit fee

2.5% of the overlimit amount or ₹600, whichever is higher, levied only once per billing cycle

Payment return or dishonour fee

2% of payment amount, minimum ₹500

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250 + applicable taxes

Cheque payment / dishonour fee

₹200 plus applicable taxes

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500)

Reward redemption fee

₹99, applicable only on physical product and on vouchers that are sent physically

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions.

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days from the payment due date.

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Remaining Balance Outstanding