SBI Apollo Credit Card Review

SBI is one of the leading credit card providers in India. There are several types of sbi credit card in the sbi credit card list and the Apollo SBI credit card is one of them. It is a co-branded credit card 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. In fact, this card is specially designed to offer healthcare-related benefits. Now let’s discuss the benefits of the card in detail and see how much it is beneficial for you. 

Eligibility criteria of apollo sbi card:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 20,000 (Approx)
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 20,000 (Approx)
  • The required cibil score for sbi credit card application is 750 or more.
  • Good relation with the bank. 

Click here to track sbi credit card application status

Documents required for credit card application:

  • 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 (Income Tax Return) 
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

Visit our FAQ page for the sbi credit card activation process. You can activate new sbi credit card both online and offline. 

Sbi apollo credit card Fees:

  • Joining Fee: Rs. 499 + GST
  • Annual Fee: The sbi credit card renewal fee of this card is Rs. 499 + GST

If you want to pay sbi credit card bill offline then you can find the sbi credit card ifsc code here – SBIN00CARDS

Benefits of sbi credit card:

  • Welcome benefit:

With the issuance of the sbi bank credit card, you will get 500 reward points that are equal to Rs. 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 Rs. 75,000 within the first year, you will get the same membership for the second year. Otherwise, you will be demoted to Silver Tier. 

  • Sbi credit card cash back offer:

This card offers 10% off of some selected Apollo Services. You can check your sbi credit card limit from your online banking account. 

To know how to check sbi credit card balance visit SBI FAQs page to get all answers. 

  • Benefits of reward points sbi credit card:

The sbi apollo credit card reward point scheme is discussed below – 

Total Spend 


Total Reward Point

For each Rs. 100 spent.

Apollo Services 

3 Points. 

For each Rs. 100 spent. 

Dining, Movies, and Entertainment

2 Points. 

For each Rs. 100 spent.

Beauty products and wellness services

1 Point. 

For each Rs. 200 spent.

All other categories and retail purchases except for fuel. 

1 Point. 

You can check your total earned reward points from your sbi credit card netbanking account. 

You can redeem sbi credit card reward points to cash 1 reward point = Rs. 1

You can check status of sbi credit card total earned reward points from your net banking account. You can also check your sbi credit card payment details from there.  

  • Fuel surcharge waiver:

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

For any queries contact the credit card sbi customer care no given below. 

  • Annual fee waiver:

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

If you want to increase your credit card limit, then visit our FAQ page for the sbi credit card limit increase procedure. 

  • EMV chip card: 

This sbi apollo credit card comes with a built-in EMV chip, and sbi credit card fraud detection system, which makes your credit card transaction more secure than before. 

But if something suspicious happens, you need to deactivate your credit card account temporarily. Visit our FAQ page to know how to deactivate sbi credit card instantly? 

Sbi bank credit card charges:


Payable amount

Cash Withdrawal Charge.

2.5% against the withdrawn amount, min Rs. 500.

Finance Charge.

The sbi credit card interest rate is 3.50% monthly.

Foreign currency transaction.

The apollo sbi card foreign currency conversion charge is  3.5% against the transaction amount

Add-on card fee.

None, free for a lifetime

If you want to change your registered address, then click here to download the sbi credit card application form

Sbi credit card customer care contact details:

Sbi credit card customer care no. 1860-180-1290 / 022-3902-0202 or 1860-180-7777 

Sbi credit card customer care mail id[email protected]

100xGain Ratings:


Final Opinion:

If you are looking for a credit card that can take care of your healthcare-related expenses, then this apollo sbi 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. In fact, this is one of the few credit cards in India that offers good benefits on medical expenses. 

But if you want some other benefits like lounge access, travel benefits, or cashback on regular credit card expenses then I would not recommend you this card. Instead, you can take a look at the alternative card options given below. 

Alternative Cards: 

  1. Dhani One Freedom card. (Best for cashback and healthcare benefits) 
  2. RBL Practo Plus Credit Card. (Best for lounge access and health points) 

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