Features and benefits:

Welcome Gift

  • As you pay the joining fee for Apollo SBI Card, you get 500 Reward Points worth  500.
  • As Apollo SBI Card member you get complimentary Apollo Silver Tier Membership
  • Reward Points & Discount Offers
  • Fuel Surcharge waiver
  • Global Acceptance
  • Utility Bill Payment
  • Balance Transfer on EMI
  • Flexipay
  • Easy Money Facility

Note: SBI Card is powered by https://www.sbicard.com/ and the information mentioned here is provided by SBI Card.

Annual Fee & Joining Fee:

  • Joining Fees: Rs 499
  • Annual Fees: Rs 499

*(reversed on Rs 90, 000 Spends in the previous year)

Eligibility for APOLLO SBI Credit Card

  • Should be an Indian resident
  • Minimum age of 18 years
  • Must be salaried or self employed
  • Possess last 3 months bank statements
  • A good credit score is also required, so always check free credit score before applying for a credit card.

Documents required for APOLLO SBI Credit Card

  • KYC fulfilment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
  • Address proof: Utility Bills/ Ration Card/ Passport
  • ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
  • Income Proof: Last 3 Salary slips / bank statements
  • Photographs

Cashback & Rewards benefits

Reward Points & Discount Offers

  • 3X Reward Points on each transaction of  100 made on Apollo healthcare services.
  • Up to 10% off for Select Apollo Services.
  • 2X Reward Points per  100 lifestyle spends on Dining, Movies & Entertainment.
  • 1 Reward Point per  100 spent on Beauty & Wellness services.
  • 1 Reward Point per  200 spent on other retail purchases, except on fuel.

Terms of use:

  • 1 Reward Points = 1, and there is no minimum threshold for instant redemption of reward points.
  • You can redeem Reward Points for Apollo services, Apollo e-Gift Vouchers or Apollo Health Credits.

Spend based fee reversal

  • With Apollo SBI Card, you get Annual Fee Waiver if your total spends in a year are  90000 or above.

Fuel Surcharge waiver

  • You can enjoy 1% fuel surcharge waiver across all petrol pumps, subject to a maximum limit of 100 per month per card. The benefits can be enjoyed on each fuel transaction between  500 to  3,000 (excluding taxes).

Global Acceptance

  • Apollo SBI Card can be used at over 24 million MasterCard accepting outlets worldwide, including 3,25,000 outlets in India. Thus your Apollo SBI Credit Card is essentially an international credit card.

Add-on Cards

  • Like all other SBI Credit Cards, you can apply for Add-On Credit Card for your family members if you own Apollo SBI Card. The member should be 18 years or above to enjoy the benefits of an SBI add-on card.

Utility Bill Payment

  • Your Apollo SBI Card's Easy Bill Pay facility helps you automate your utility bill payments for electricity, telephone, mobile, and insurance.

Balance Transfer on EMI

  • With Balance Transfer on EMI facility, you can pay out outstanding credit card dues at a low rate. All you need to do is request online for BT on EMI facility and transfer your outstanding credit cards bills to Apollo SBI Card, and set affordable EMIs at a lower rate of interest.


  • You can use the Flexipay facility to convert your card transactions of  2,500 or above into easy instalments. The request can be made online within 30 days of purchase.

Easy Money Facility

  • With Apollo SBI Card, you literally get "Easy Money".
  • The Easy Money facility lets you request a draft or cheque (according to your cash limit) to your doorstep. The request can be made online by logging in with your username and password.

Also Check: SBI Cashback Credit Card

Fees and Charges

Fees and Charges for Apollo SBI Card
Joining fee499 + GST
Renewal fee499 + GST; reversed on 90000 spends  in the last year
Add-on feeNil
Finance chargesUp to 3.35% p.m., or 40.2% p.a.
Cash advance fee on SBI & other domestic ATMs2.5% of the transaction amount, subject to a minimum of  300
Cash advance fee on international ATMs3% of the transaction amount, subject to a minimum of  300
Cash payment fee100
Cheque pickup100
Payment dishonour fee2% of the amount paid; a minimum of  450
Cheque fee (on cheques up to  10,000)100
Statement retrieval100 per statement
Over limit2.5% of over limit; a minimum of  500
Card replacement100
Emergency card replacement when abroadActual cost (minimum: $175)
Foreign currency transaction on conversion mark up3.5%
Dynamic currency conversion mark up fee3.50%
Priority Pass Lounge ChargesAll Airport Lounge visits within India charged with $27 per visit + applicable taxes.

All Airport Lounge visits outside India after exhausting the complimentary visits will be charged with a usage fee of $27 per visit + applicable taxes.

All guests accompanied Primary Cardholder will be charged with a usage fee of $27 per visit + applicable taxes.
Surcharge on Railway tickets through counters30 + 2.5% of transaction amount
Surcharge on Railway tickets through irctc.co.in1.8% of transaction amount + applicable tax
Payments of Customs duty2.25% of transaction amount (minimum of  75)

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Apollo SBI Credit Card: FAQs

✅ How do I apply for Apollo SBI Credit Card?


To apply for Apollo SBI Credit Card, all you need to do is visit MyMoneyMantra Website and fill a credit card form. As you share your personal details, we will list all the available cards for your profile. You can either compare different SBI cards or directly click on Apollo SBI Card. You can e connect with SBI Card, and your application will be initiated. A credit card expert will contact you and answer all your queries regarding the credit card application and approval process. We will ensure the doorstep collection of documents, followed by a doorstep delivery of the card.

✅ How do I redeem my card points on Apollo SBI Card?


Apollo SBI Card is one card that fetches 100% value on your reward points. 1 Reward Point earned on this card equals 1. There is no threshold for rewards redemption, i.e., you can redeem the points according to your convenience. You can redeem points through: POS, Health Credits or Apollo Vouchers.

✅ What documents do I need for Apollo SBI Card?


You require one of the following documents to establish your identity, address and income proof respectively:

  • Identity Proof: Voter's ID/ Driving License/ Aadhaar Card/ Passport/ Ration Card/ PAN Card
  • Income Proof: Latest ITR Form/ Form 16/ Salary Slip/ Salary Certificate
  • Address Proof: Utility Bills/ Passport/ Bank Passbook/ Aadhaar Card/ Ration Card
  • Passport size photograph

✅ What are the different ways to pay out Apollo SBI Card Bill?


It is completely hassle-free to pay out your SBI credit card bill. You can use Net Banking, Mobile Banking, or pay through Cash, cheque or demand draft. Here is a list of different methods you can use to pay your card bills:

Online Methods:

  • NEFT
  • National Automated Clearing House
  • SBI Auto Debit
  • Paynet-Pay Online
  • SBI Mobile Banking
  • Debit Card
  • Mobile App
  • Visa Credit Card Pay
  • Online SBI
  • Electronic Bill Payment

Offline Methods:

  • Over the Counter Payment
  • Electronic Drop Box
  • Manual Drop Box

✅ Can I build my CIBIL score with the help of Apollo SBI Card?


It is mandatory for all financial institutions to report the credit activity of individuals and commercial entities to the credit bureau. As you begin to use your Apollo SBI Card, you build a credit history that affects your score. By diligently repaying your credit card outstanding before the due date, you can enjoy 20-50 days of free credit period for you retail transactions and enjoy a robust CIBIL score.


SBI Card reserves the right to modify/remove one or more of offers on Apollo SBI Card at any point in time without any notice.