Apollo SBI Card SELECT
India's Health First Credit Card
Annual Fee
₹1,499
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The Apollo SBI Card SELECT is a powerhouse for anyone deeply integrated into the Apollo healthcare ecosystem. With a 10% return on health spends and ₹1 point value, it offers unmatched value in the wellness niche. While the base rate is low, the milestone rewards like the Noise smartwatch and free health check-ups effectively offset the annual fee for moderate spenders.
Quick Match
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Your Estimated Value
Year 1
+₹3,001
Includes ₹1,500 bonus
Year 2+
+₹1,501
Fee waiver eligible!
Why get this card
Extremely high reward rate of 10% on Apollo healthcare services
Reward points have a high valuation of ₹1 when redeemed within the Apollo ecosystem
Complimentary annual health check-up worth ₹1,999 on hitting spend milestones
Valuable welcome benefits including a ₹1,500 voucher and FITPASS PRO membership
+1 more benefits
- Significant annual milestone reward of a Noise Smartwatch worth ₹7,999
Watch out for
Reward redemption is highly restricted to the Apollo network only
Low base reward rate of 0.5% for general retail expenditures
International lounge access via Priority Pass is not free (usage charges apply)
+1 more considerations
- Redemption of points requires manual conversion to Health Credits
Who is this card for?
Best for
health conscious spenders
Individuals or families with recurring expenses on medicines, lab tests, and doctor consultations at Apollo.
Min: ₹25,000/mo
fitness enthusiasts
Users who want complimentary access to a network of gyms and fitness centers via FITPASS PRO.
Min: ₹10,000/mo
Skip if you're
general lifestyle spenders
Users who want flexible reward redemption options like cash, flights, or general shopping vouchers.
frequent international travelers
Those seeking complimentary international lounge access or low foreign currency markup.
Base Earning
1 Apollo Reward Points
per ₹200 spent
0.5%
effective rate
Point value: ₹1.00/point
Bonus Categories
Apollo Pharmacy/247 - HEALTHCARE
1×
10% return
5000 pts/month
Dining, Travel, Movies - LIFESTYLE
4×
2% return
Welcome Offer
Apollo 24|7 e-gift voucher worth ₹1,500; Complimentary 1-Year Apollo Circle membership; 1-Year complimentary FITPASS PRO membership after payment of joining fee and first retail transaction.
₹1,500
value
Milestones
Spend ₹0.5L
Complimentary Comprehensive Health Check-up worth ₹1,999 (Valid within 90 days of joining/anniversary)
Spend ₹3.0L
Renewal fee waiver of ₹1,499 on annual spends of ₹3 Lakh
Spend ₹6.0L
Complimentary Noise Smartwatch worth ₹7,999 on annual spends of ₹6 Lakh
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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