SBI Apollo Credit Card Review

Many of us have health insurance that covers a significant portion of the cost of our healthcare expenses. But have you ever imagined that a credit card could do the same? If not, then take a look at the sbi apollo credit card. It lets you enjoy exclusive healthcare benefits at a very competitive rate. Offering exclusive discounts on healthcare expenses, accelerated sbi reward points on every transaction, and a complimentary Apollo gold tier membership, this card brings so much value with it that it can easily offset its Rs.499 annual fee. Go through the complete review to know more about the SBI apollo card benefits.

How does the Apollo sbi credit card eligibility criteria work?

  • Resident Type: Indian. 
  • SBI bank credit card eligibility criteria for salaried person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 20,000 (Approx)
  • SBI credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 20,000 (Approx)
  • A good CIBIL Score (750 or more) is required to get a decent sbi credit card limit.

With the successful submission of your sbi credit card application, you will get a unique application id. You can use that to track your sbi credit card application status.

What documents are required for a sbi apollo 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.

Nowadays, SBI sends all its new credit cards in an inactive state. And to activate those cards, the users need to generate a new credit card PIN. You can find more about the sbi credit card activation process from our faq page.

What are the sbi apollo credit card fees?

  • Apollo sbi credit card joining fee: Rs. 499 + GST
  • SBI apollo credit card annual fee: Rs. 499 + GST

What are the sbi apollo credit card benefits?

  • A huge joining bonus to welcome you:

With the activation of your Apollo sbi bank credit card, you will be welcomed with 500 reward points as a welcome gift. This card also offers a one-year apollo gold membership as a part of the joining bonus.

The sbi credit card apollo membership will renew itself on achieving Rs.75,000 spend mark with the first anniversary year. Otherwise, you will be demoted to the Silver tier.

  • Experience exclusive deals on Apollo service:

Every time you use this sbi card to make payments for Apollo services, you will get a 10% instant discount on your bill. 

  • Benefits of reward points sbi credit card:

The sbi apollo credit card comes with a powerful reward scheme that can make your every transaction rewarding.  

Total Spend 


SBI card rewards 

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 apollo credit card points to cash, 1 sbi apollo credit card reward point = Rs. 1

  • Enjoy freedom from fuel surcharges:

If you use this sbi apollo credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. You can earn a maximum of Rs.100 waiver per sbi credit card statement cycle. The transaction amount should be between Rs.500 to Rs.3,000.

  • Get an opportunity to make your card lifetime free:

On spending Rs.90,000 with your apollo sbi card within an anniversary year, you can get a complete waiver on your next year’s annual fee.  You can track your credit card usage from your online sbi net banking account, click here to go to the sbi apollo credit card login page.

  • Convenient bill payment options to make your life easier:

SBI allows you to make your sbi apollo credit card payment online from your sbi online banking account, or from the sbi credit card app. You can also use any credit card payment app like Cred, Paytm, Google pay, Phone pe, etc. to do the same.

  • Security of the advanced EMV chip: 

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 you notice something suspicious with your sbi credit card account then you should immediately report it by calling the sbi apollo credit card customer care number. Also, if you want to know how to deactivate sbi credit card instantly? then make sure to take a look at our faq page.  

What are the sbi bank credit card charges?


Payable amount

SBI cash withdrawal charges

2.5% against the withdrawn amount, min Rs. 500 (check your available sbi apollo credit card limit before making a withdrawal)

SBI credit card finance charges

The sbi credit card interest rate is 3.50% monthly

SBI credit card international transaction charges

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

SBI add on card charges.

None, free for a lifetime

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

How to contact the sbi credit card customer care department?

  • SBI apollo credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777 
  • SBI credit card customer care mail

100xGain Ratings:


Pros and Cons of the sbi apollo credit card:



  • You can avail of a huge instant discount on Apollo services.
  • This apollo sbi credit card offers accelerated rewards on apollo services.
  • This sbi credit card is not very good for dining or entertainment-related benefits.

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 this sbi healthcare credit card. Instead, you can visit our top credit card pages, you can also take a look at the alternative card options given below. 

Alternative cards of the sbi apollo credit card

  1. Dhani one freedom card (Best for cashback and healthcare benefits) 
  2. RBL bank practo plus credit card (Best for lounge access and health points) 

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