Apollo SBI Card Review 2026: Fees, Rewards & Health Benefits
Get detailed insights on Apollo SBI Card. Learn about 3X rewards on Apollo services, ₹499 fee, and 1:1 redemption. Is it the best health credit card for you?
The Apollo SBI Card is a niche but effective entry-level card for individuals with recurring healthcare expenses. It offers excellent value within the Apollo network but falls short as a primary lifestyle card due to its low base rewards and lack of travel perks.
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The Bottom Line
The Apollo SBI Card is a niche but effective entry-level card for individuals with recurring healthcare expenses. It offers excellent value within the Apollo network but falls short as a primary lifestyle card due to its low base rewards and lack of travel perks. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on apollo services and 500 bonus points. For anyone researching apollo sbi card, the verdict is simple: conditional.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Health-conscious Spender, Budget-conscious User. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealFrequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.
Low annual fee and easy fee waiver make it a sustainable secondary card for medical expenses.
Probably not for
SkipLacks lounge access and travel-specific benefits.
The base reward rate on non-Apollo spends is very low compared to premium cashback cards.
Is It Worth It For You?
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Reward Rates
Apollo SBI Card offers 0.25% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 700
- Age between 18-60 years; Salaried or Self-employed with steady income.
Exclusions & Terms
Fuel
- Eligible for surcharge waiver instead
Rent Payments
- Discontinued as per July 2023 policy
Cash Advances
- Standard exclusion
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Frequently Asked Questions
3 data-backed answers from our card database