The Apollo SBI Card is one of the few healthcare-focused credit cards in the Indian market. It bridges the gap between financial rewards and medical expenses, offering cardholders meaningful savings on their healthcare spending at Apollo centres nationwide.

• Co-branded card between SBI Card and Apollo Hospitals
• Available on the MasterCard network with worldwide acceptance
• Contactless-enabled for quick and secure tap-to-pay transactions
• 1 Reward Point = Rs. 1, with no minimum threshold for redemption
• Part of the OneApollo loyalty program with Gold Tier membership benefits

Earn 3X Reward Points per Rs. 100 spent on all Apollo services including hospitals, pharmacies, clinics, and diagnostic centres. This translates to an effective reward rate of 3% on healthcare spending within the Apollo ecosystem.

Dining, Movies & Entertainment

Earn 2X Reward Points per Rs. 100 spent on dining, movies, and entertainment categories, giving an effective reward rate of 2% on lifestyle spending.

Beauty & Wellness

Earn 1 Reward Point per Rs. 100 spent on beauty and wellness services, providing a 1% reward rate.

Apollo Gold Tier Membership

Get a complimentary OneApollo Gold Tier Membership for the first year. Gold Tier members enjoy exclusive health benefits, priority access, and enhanced health credits at Apollo centres. To continue Gold Tier in the second year, spend Rs. 75,000 at Apollo centres.

Instant Discount

Get up to 10% instant discount at select Apollo services when you use your Apollo SBI Card.

Fuel Surcharge Waiver

Enjoy 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps. Maximum waiver of Rs. 100 per month.

• 500 Reward Points: Worth Rs. 500, credited within 30 days of paying the joining fee
• Apollo Gold Tier Membership: Complimentary OneApollo Gold Tier Membership for the first year

Annual Fee Waiver

• Annual fee of Rs. 499 waived on spending Rs. 1,00,000 or more in the preceding anniversary year

Apollo Gold Tier Continuation

• Spend Rs. 75,000 at Apollo Ecosystem to continue Gold Tier in the second year
• Alternatively, spend Rs. 7,500 at Apollo Pharmacy, Apollo Sugar, or Apollo Clinic
• Failing to meet the benchmark will result in downgrade to Silver Tier

The Apollo SBI Card does not include complimentary airport lounge access. This is an entry-level co-branded card focused on healthcare benefits rather than travel perks.

If you need lounge access along with healthcare benefits, consider the Apollo SBI Card SELECT which offers 4 domestic lounge visits per year and a complimentary Priority Pass membership.

The Apollo SBI Card rewards program is structured to maximize value on healthcare spending:

• 3X Reward Points per Rs. 100 on all Apollo services (3% effective rate)
• 2X Reward Points per Rs. 100 on dining, movies, and entertainment (2% effective rate)
• 1 Reward Point per Rs. 100 on beauty and wellness (1% effective rate)
• 1 Reward Point per Rs. 200 on other non-fuel retail purchases (0.5% effective rate)

Excluded Categories

• Fuel transactions do not earn reward points
• Rent payment transactions (discontinued from July 2023)

Redemption Options

• Instant POS Redemption: Redeem points instantly at Apollo terminals with no minimum threshold
• Apollo Health Credits: Convert points to health credits for Apollo services
• Apollo e-Gift Vouchers: Redeem for Apollo vouchers (Rs. 99 redemption fee per request)

Point Value & Expiry

• 1 Reward Point = Rs. 1
• Reward points expire after 24 months from the date of earning

• Indian resident aged 18 to 70 years
• Both salaried and self-employed individuals can apply
• Stable source of income required

Income Requirements

• Salaried: Minimum net monthly income of Rs. 18,000 (Rs. 2.16 Lakh per annum)
• Self-employed: Minimum annual income of Rs. 2.4 Lakh

Credit Score

• A CIBIL score of 750 or above is recommended for smooth approval
• Scores between 700-749 may still be considered based on other factors

Add-on Card

• Available for parents, spouse, children, or siblings above 18 years
• Add-on card fee: Nil

• Aadhaar Card
• PAN Card
• Passport
• Voter ID Card
• Driving Licence

Address Proof (any one)

• Aadhaar Card
• Passport
• Driving Licence
• Utility Bill (not more than 3 months old)
• Ration Card

Income Proof (any one)

• Latest 1-2 salary slips (not more than 3 months old)
• Last 3 months bank statement
• Latest ITR / Form 16

KYC Verification

• Aadhaar-based e-KYC
• Video KYC
• In-person KYC verification at Apollo locations or SBI branches

1. Visit the SBI Card website at sbicard.com
2. Navigate to Credit Cards and select Apollo SBI Card
3. Click on Apply Now and fill in the required details
4. Upload the required documents for identity, address, and income proof
5. Submit your application and track it using the reference number

Through Apollo

1. Visit the Apollo 24/7 app or website
2. Look for the Apollo SBI Card application section
3. Complete the application with required details and documents

Offline Application

1. Visit the nearest SBI branch or Apollo location
2. Fill in the credit card application form
3. Attach all required documents and submit

The Apollo SBI Card is a niche healthcare credit card that delivers genuine value for regular Apollo Hospitals and Pharmacy users. The 3X reward points on Apollo services, complimentary Gold Tier Membership, and affordable annual fee make it a smart addition to your wallet if healthcare spending forms a significant part of your expenses.

However, the card has clear limitations. Reward points can only be redeemed within the Apollo ecosystem, there is no lounge access, and the base reward rate of 0.5% on general purchases is below average. This card works best as a secondary card dedicated to healthcare spending, paired with a more versatile primary card for everyday purchases.