Apollo SBI Card
SBI Card
Last verified: 23 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
All Apollo services | 3% | ₹5,000/monthly |
Dining, movies and entertainment | 2% | No cap |
Beauty and wellness services | 1% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 99
Managed via Instant redemption at Apollo point-of-sale terminals, Apollo Health Credits
Transfer partners
Instant Discounts
Applies to select Apollo services. SBI publishes neither the qualifying service list nor any cap on the captured pages, so both are unknown.
'Up to 10% Instant Discount on select Apollo services' — SBI's own wording. The 'up to' means 10% is a ceiling rather than a rate.
Live Offers
63 activeBenefits
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps across India. SBI states the benefit without publishing the transaction band or the cap on the captured pages.
Welcome Benefit
500 Reward Points worth ₹500, on payment of the joining fee
Complimentary Apollo Gold Tier membership
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹499/yr |
| Renewal Fee | ₹499/yr |
| Fee Waiver | Spend ₹1,00,000/year |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
