Apollo SBI Card
The ultimate healthcare card for your family's wellness.
Annual Fee
₹499
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The Apollo SBI Card is a niche healthcare credit card that offers industry-leading value for users of the Apollo ecosystem. With 1:1 redemption of points for health credits, it effectively provides a 3% cashback on healthcare spends, which is unmatched in the entry-level segment.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹3,001
Includes ₹500 bonus
Year 2+
+₹2,501
Fee waiver eligible!
Why get this card
Accelerated 3% reward rate on all Apollo services including Pharmacy and Hospitals.
High reward point value where 1 Reward Point equals 1 INR when redeemed at Apollo.
Complimentary OneApollo Silver Tier membership providing instant discounts and health benefits.
Annual fee waiver on a relatively low spend threshold of 90,000 INR.
+1 more benefits
- Direct 10% instant discount on select Apollo services like dental and diagnostic tests.
Watch out for
Rewards are primarily useful only within the Apollo ecosystem.
Low base reward rate of 0.5% on general retail spending.
No airport lounge access provided in this base variant.
+1 more considerations
- Redemption fee of 99 INR applies to reward point conversions.
Who is this card for?
Best for
health conscious individuals
Individuals who regularly purchase medicines or avail services from Apollo Hospitals and Pharmacies.
Min: ₹10,000/mo
entry level users
Users looking for a low-cost card with a high reward value for a specific ecosystem.
Min: ₹8,000/mo
Skip if you're
frequent travelers
The card lacks airport lounge access and has standard foreign transaction markups.
high lifestyle spenders
Users who prefer general lifestyle rewards like luxury shopping or fine dining perks.
Base Earning
1 Apollo Reward Points
per ₹200 spent
0.5%
effective rate
Point value: ₹1.00/point
Bonus Categories
Apollo Ecosystem - HEALTHCARE
3×
3% return
General Merchants - DINING_MOVIES_ENTERTAINMENT
2×
2% return
General Merchants - BEAUTY_WELLNESS
1×
1% return
Welcome Offer
Complimentary OneApollo Silver Tier Membership.
500
points
₹500
value
within 30 days
Milestones
Spend ₹0.9L
Waiver of annual fee for the subsequent year upon reaching annual spend of 90,000 INR.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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