Learn how to apply, activate, and use your Apollo SBI Card SELECT. From health and lifestyle benefits to converting Reward Points and earning Health Credits, everything you need to get started and make the most of your card.
The Apollo SBI Card SELECT is a co-branded credit card launched by Apollo 24|7 in partnership with SBI Cards. It is designed to offer exclusive healthcare and wellness benefits across the Apollo ecosystem, while also rewarding you on non-healthcare spends such as dining, entertainment, and travel.
It comes with healthcare-specific rewards, built-in Circle benefits, milestone-based offers, and lifestyle privileges like lounge access and fuel surcharge waiver.
No, the benefits of the Apollo SBI Card SELECT are exclusive to this particular card and cannot be transferred to or availed on any other existing SBI credit card.
Even if you are an SBI credit cardholder, you will need to apply separately for this card to access:
Healthcare Discounts:
Milestone Rewards:
Lounge Access:
Fuel Surcharge Waiver:
Your Apollo SBI Card SELECT is accepted at:
Please ensure online and international usage is enabled from your card settings.
Joining Fee: ₹1,499 + GST
Annual Fee: ₹1,499 + GST
The annual fee is waived if you spend ₹3,00,000 or more in the previous card membership year.
No, there are no hidden charges. However, the following standard credit card charges may apply:
All charges are detailed in the Most Important Terms & Conditions page provided at the time of card issuance here.
Yes, at the time of application, you will be given the option to choose your preferred card network: RuPay or Mastercard.
Once your card is issued, the selected network cannot be changed.
To be eligible, you must:
Eligibility is also subject to verification of income and employment status.
SBI team to confirm salary range of eligible people
You can apply through the following channels:
During the application process, you will be required to verify your mobile number (linked with Apollo 24|7), provide your PAN, and complete KYC verification.
SBI team to confirm how long the verification/approval process will take
No. You must apply using the same mobile number registered with your Apollo 24|7 account. This ensures your current Apollo 24|7-linked rewards and health benefits stay intact.
To apply for the Apollo SBI Card SELECT, you are required to submit some documents as part of the online or assisted application process. Here’s what you’ll typically need:
PAN Card Details: Your PAN is essential to initiate the application. SBI Card will use this to fetch your identity details and link your credit profile.
Employment Details: You will be asked to provide professional information, including your:
KYC Documents: As per RBI guidelines, Know Your Customer (KYC) compliance is mandatory for all credit card applications. Your KYC can be completed through
Credit Score Check (CIBIL): After you submit your PAN and other basic details, SBI Card will pull your CIBIL report to evaluate your creditworthiness.
Note: Submission of Aadhaar number is voluntary for e-KYC, but may be required for biometric or video KYC processes.
KYC (Know Your Customer) is a regulatory requirement used to verify your identity. SBI Card offers the following modes:
Completing KYC is mandatory to issue your credit card and activate its features
You can track your application status via:
Once approved, the card will be dispatched and typically delivered within 7–10 working days to your registered address.
If your application for the Apollo SBI Card SELECT is not approved, it may be due to one of the following reasons:
In case of rejection:
If you believe your application was incorrectly rejected or if you’d like clarification, you can reach out to SBI Card Customer Care on 1860 500 1290 or 1860 180 1290, between 8 AM to 8 PM from Monday to Saturday or visit your nearest SBI Card service branch for further assistance. (SBI Team to confirm)
You can activate your Apollo SBI Credit Card using any of the following methods:
Make sure to set your card PIN immediately after activation for secure usage.
Health Credits (HCs) can be used across the Apollo ecosystem, including:
You earn cashback in two forms when you use the Apollo SBI Card SELECT:
| Category | SBI Reward Points | Health Credits |
|---|---|---|
| Medicine Purchases | 10% | Up to 15% |
| Doctor Consultations | 10% | NA |
| Diagnostic Tests | 10% | Up to 20% |
| Non-Apollo Spends | ||
| Dining | 2% | NA |
| Beauty and Wellness | 0.5% | NA |
| Movies and Entertainment | 2% | NA |
| Travel | 2% | NA |
Where will it reflect?
Example:
SBI Reward Points can be redeemed at a 1:1 ratio, where:
Suppose you spend ₹2,500 on medicines at Apollo Pharmacy and earn 10% cashback as SBI Reward Points, you’ll receive 250 Reward Points.
When you redeem them:
You earn SBI Reward Points on every transaction on your Apollo SBI Card SELECT, on specific categories:
| Category | Reward Points |
|---|---|
| Base (Other Spends) | 1 RP per ₹200 |
| In - store Spends (Apollo 24|7 and Apollo Pharmacy) | 10 RP per ₹100 |
| Dining | 2 RP per ₹100 |
| Beauty & Wellness | 1 RP per ₹200 |
| Movies and Entertainment | 2 RP per ₹100 |
| Travel | 2 RP per ₹100 |
Yes. On Apollo spends, you can earn up to 5,000 RP/month on spends worth ₹50,000. Beyond that, you will earn 0.5% RP.
On non-Apollo spends, you can earn up to 5,000 RP/month on spends worth ₹2,50,000. Beyond that, you will earn 0.5% RP.