Apollo SBI Card SELECT
SBI Card · Checked 2026-10-09
Apollo SBI Card SELECT is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹1,499 annually before GST.
CardIQ editorial view
Our take
Apollo SBI Card SELECT is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹1,499 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹100 at Apollo; 2 per ₹100 on dining, entertainment and travel; 1 per ₹200 on other eligible purchases.
- Four domestic lounge visits yearly, at most one per quarter.
Trade-offs to understand
- 1 point = ₹1 in Apollo Health Credits; redeem only for these health credits.
- Four domestic lounge visits yearly, at most one per quarter.
- The ₹1,499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 at apollo; 2 per ₹100 on dining, entertainment and travel; 1 per ₹200 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 1 point = ₹1 in Apollo Health Credits; redeem only for these health credits.
Compare before deciding
- Reliance SBI Card PRIME — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
- SBI Card PRIME — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
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Benefits, limits and conditions
- 1 point = ₹1 in Apollo Health Credits; redeem only for these health credits.
- Four domestic lounge visits yearly, at most one per quarter.
- Health check-up benefit requires ₹50,000 spend within 90 days.