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▾Apollo SBI Card SELECT Review (Healthcare Co-brand)
Best for: Customers and families buying regular medications, doctor consultations or wellness products at Apollo Pharmacy / Apollo 24/7 / Apollo Hospitals.
- Up to 25% value back on Apollo 24|7 and Apollo Pharmacy via the in-built Apollo Circle Benefits (membership stacked into the card)
- 10 Reward Points per ₹100 on Apollo 24|7 and Apollo Pharmacy spends (rewards stack with Circle Benefits)
- Welcome: Apollo 24|7 e-Gift Voucher worth ₹1,500 on payment of joining fee
- 1-year complimentary FITPASS PRO Membership (on joining fee + 1 retail transaction)
- Comprehensive Health Check-up Package on ₹50,000 spend within 90 days of joining
- 4 complimentary domestic airport lounge visits per year
- Annual fee ₹1,499 + GST — waived if annual spend ≥ ₹3,00,000 (NOT ₹50K)
- Narrow category scope
- Base rate weak at 0.5%
- No lounges, no insurance
- Redemption ratio limited
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST |
| Renewal fee | ₹499 + GST |
| Finance charge | 3.6% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
10 reward points per ₹100 on Apollo Pharmacy / Apollo 24/7 / Apollo Diagnostics (10× base rate). Other retail earns 2 points per ₹100. Redeem at ₹0.25 per point. Effective 2.5% back on Apollo, 0.5% elsewhere.
Key benefits
- ₹500 Apollo welcome voucher on fee payment
- 10× on Apollo Pharmacy and Apollo 24/7 purchases
- Priority slot booking at Apollo Diagnostics (same-day walk-in)
- Annual fee waived on ₹50K prior-year spend
Who the SBI Apollo Pharmacy is for
Families with monthly medication budgets of ₹3-5K (diabetics, cardiac patients, senior parents). The 2.5% back adds up to ₹1-1.5K annually, covering the fee.
Final verdict
A narrow healthcare-focused co-brand. If you regularly buy at Apollo, worth holding. Not a general-purpose card.
FAQ
Does the 10× apply to hospital bills?
Apollo Hospitals admitted-patient bills typically earn at base 2× rate — Apollo 24/7 app and Pharmacy retail earn the full 10×.
Is this card issued jointly with Apollo 24/7?
SBI is the issuer; Apollo provides the co-brand partnership for welcome vouchers and point acceleration.
What is the apply channel?
Apply via SBI Card website, Apollo 24/7 app or in-store at Apollo Pharmacy outlets.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.