Apollo SBI Credit Card Review

Apollo SBI Card is a co-branded credit card from SBI, this card is specially designed to give the customers benefits on health check-ups and healthcare packages. It also offers a lot of other benefits like big reward benefits, fuel surcharge waivers, annual fee waivers, etc. Now let’s discuss the benefits of the card in detail and see how much it is beneficial for you. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹20,000 (Approx)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹20,000 (Approx)
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Welcome benefit:

With the issuance of the card, you will get 500 reward points that are equal to ₹500, as a welcome gift. 

You will also get complimentary membership of Apollo Gold Tier. 

The membership is for the first year only, and if you can spend ₹75,000 within the first year, you will get the same membership for the second year. Otherwise, you will be demoted to Silver Tier. 

  • Cash-back benefit:

 This card offers 10% off of some selected Apollo Services. 

  • Reward benefit:

On each ₹100 spends on Apollo services you will get 3 reward points each time. 

For each ₹100 spend on dining & movies, and entertainment you will get 2reward points.

For each ₹100 spends on beauty products and wellness services you will get 1 reward point.

For each ₹200 spent on all other categories and retail purchases except fuel, you will get 1 reward point.

The reward points can be redeemed into cash, 1 reward point = ₹1 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges this offer is applicable at any fuel station in India. You can save a maximum of ₹100 in a statement cycle. The transaction amount should be between ₹500 to ₹4,000. 

  • Annual fee waiver:

If you can spend ₹90,000 or more with your card within a year, then the annual fee for the next year will be waived off. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹500. 
  • Finance Charge: 3.50% monthly.
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you want a credit card only to avail of benefits on healthcare packages, then this card can be a good option for you. It offers a gold tier membership of Apollo Healthcare, you can also earn big reward points from your spending on the health and wellness category. So if you are looking for a credit card that can offer benefits healthcare packages, you can go for this card. 

But this card does not offer any other significant benefits in other categories like shopping, dining, or entertainment. Therefore if you want to earn benefits in those categories you can go for the Axis Bank Neo Credit Card, which offers exclusive Cashback benefits at a very low cost, you can also go for ICICI Amazon Pay Credit Card, which offers exclusive benefits on online shopping.

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