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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Apollo SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureShaurya SBI CardApollo SBI Card
Annual Fee₹250₹499
Joining Fee₹250₹499
Fee Waiver Spend₹50,000₹1,00,000
Base Reward Rate0.0625%0.25%
Reward CurrencyReward PointsReward Points
NetworkRuPayMastercard
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Both Shaurya SBI Card and Apollo SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Apollo SBI Card?
Both Shaurya SBI Card and Apollo SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Shaurya SBI Card and Apollo SBI Card?
Shaurya SBI Card has an annual fee of ₹250, while Apollo SBI Card has an annual fee of ₹499. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Apollo SBI Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Apollo SBI Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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