Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Apollo SBI Credit Card

    There have been credit card for every type of expenditure, except healthcare. The Apollo and State Bank of India’s partnership, however, puts an end to that and starts something anew. This card serves that end, targeting those who spend on healthcare at various Apollo centres - hospitals and pharmacies - around the country. The card comes at an annual fee of Rs.499.

    Highlights of the Apollo SBI Credit Card

    • Earn 3X reward points on every Rs.100 spent on Apollo services
    • Avail up to 10% instant discount on select Apollo services
    • Get a complimentary Apollo Gold Tier Membership
    • Enjoy the benefit of 1% fuel surcharge waiver
    • Fee waiver on spending Rs.90,000 annually on your card

    Benefits of the Apollo SBI Credit Card

    Welcome Gift

    • Complimentary Apollo Silver Tier Membership
    • 500 rewards points upon payment of the joining fee

    Note that the 500 reward points will be credited to the card account within 20 days of activation of the card.

    Reward point benefits

    • 2X reward points on every Rs.100 spent on movies, dining, and entertainment
    • 1 reward point on every Rs.100 spent on beauty and wellness services
    • 1 reward point on every Rs.200 spent on non-fuel retail purchases
    • 3X reward points on every Rs.100 spent on Apollo services

    Discount benefits:

    • Up to 10% instant discount at select Apollo services

    Fuel Surcharge Waiver

    • You get a 1% fuel surcharge waiver across all petrol outlets in the country
    • Maximum limit for surcharge waiver stands at Rs.100 per month

    Spend-based fee reversal

    • When you spend more than Rs.90,000 in a calendar year, any annual fee from the subsequent year onwards is completely waived off.

    Worldwide Acceptance

    • The Apollo SBI Credit Card is an international credit card and is accepted at over 24 million outlets around the world. The card is accepted in over 3,25,000 outlets in India alone.

    Add-on Cards

    • The Apollo SBI Credit card allows you to add-on more cards along with the primary card, which can be used by the parents, spouse, siblings, or children, provided they are all above 18 years of age.

    Utility Bill Payment

    • Utility bill payment is now easy on the Apollo SBI Credit Card through its Easy Bill Pay facility


    • The Apollo SBI Credit Card allows you to convert any transaction over Rs.2,500 into easy monthly installments. To avail this facility, you will need to log on to the website within 30 days of the purchase and convert the purchase into a flexipay facility.

    Easy Money Facility

    • This allows the cardholder to get a draft or a cheque against the available cash limit and get them delivered to their doorstep. To avail this facility, you will need to log on to the website and book for the same.

    Balance Transfer on EMI

    • The Apollo SBI Credit Card allows you to transfer your balance from a different card into this one and make payments on easy EMIs.

    Contactless Advantage

    • This card comes with a contactless feature. You are not required to provide your pin number to complete a transaction or swipe it. This feature ensures the card never leaves your hand.

    Apollo SBI Credit Card Fees and Charges

    Type of Charge Amount
    Annual fee Rs.499
    Renewal Fee Rs.499
    Finance charges Up to 3.35% monthly
    Add-on card fee Nil
    Cash advance fee at SBI ATMs or other ATMs 2.5% of the transaction amount subject to a minimum of Rs.500
    Cash advance fee
    • 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)
    • 2.5% of the amount withdrawn or Rs.500 (International ATMs)
    Finance Charges 3.50% per month or 42% per annum
    Payment dishonour fee 2% of the payment amount subjected to a minimum of Rs.450.
    Statement request Rs.100 per statement (more than 2 months old)
    Cash payment fee Rs.250
    Late payment charges
    • From Rs.0 to Rs.500 - Nil
    • More than Rs.500 up to Rs.1,000 - Rs.400
    • More than Rs.1,000 up to Rs.10,000 - Rs.750
    • More than Rs.10,000 up to Rs.25,000 - Rs.950
    • More than Rs.25,000 up to Rs.50,000 - Rs.1,100
    • More than Rs.50,000 - Rs.1,300
    Cheque payment fee Rs.100
    Over limit fee 2.5% of the over limit amount; minimum of Rs.600
    Rewards redemption fee Rs.99
    Foreign currency transaction 3.50%

    How to Apply for Apollo SBI Credit Card

    The procedure to apply for the Apollo SBI Credit Card is quite simple. All you need to do is go to the web page or open the Bankbazaar app and navigate to the Credit Cards Section. Once there you will be shown an exhaustive list of all the credit cards listed on the site. Next, you will need to filter the result for SBI Bank credit card, and scroll to the part where the Apollo SBI Credit Card is listed. Select the card and click on apply.

    You can apply for this card by clicking on the link and clicking on the ‘Apply Now’ button. Enter your details and provide the necessary documents. The bank will verify them and if everything is correct, your application will be approved.

    You can apply for this credit card offline by visiting the nearest SBI branch along with all the necessary documents. A representative from the bank will help you with the application process.

    FAQs on Apollo SBI Credit Card

    1. Where is the Apollo SBI card accepted?

      You can use the Apollo SBI Credit card at over 24 million outlets across the world and over 3.25 lakh outlets in India.

    2. Can I transfer my other credit card balance to this card?

      Yes. The SBI Apollo Credit Card comes with a balance transfer option where in you can transfer the balance from your other card into this one at a more affordable rate.

    3. How can I track the status of my credit card application?

      You can track the SBI credit card application status by visiting the official website of State Bank of India and under the credit card section search for Apollo SBI Credit Card. You will be directed to the page where on scrolling down you will find the ‘track your application’ option. Click on it and enter your application or reference number and click on ‘Track’. You will be able to view the status of your credit card application.

    4. Can I withdraw cash from ATMs with this card?

      Yes. You can withdraw cash from any ATM in India or abroad. However, you are required to pay a 2.5% of the transaction amount, subject to a minimum of Rs.300 per transaction.

    5. Do I get fuel surcharge waiver on this card?

      Yes. You can avail a fuel surcharge of up to 1% subject to a maximum of Rs.100 per month.

    6. Do I have to pay a joining fee to avail this card?

      Yes. Subject to you meeting the eligibility and the bank offering you the card, you will need to pay Rs.499 + GST as a joining fee.

    7. How can I get in touch with a customer care executive in case of any query?

      You can get in touch with a SBI credit card customer care executive in case of any query by calling on any one of the toll-free numbers. You can also use the ‘mail us’ option which you will find under the ‘contact us’ section.

    8. Can I get in touch with a customer care executive via Twitter?

      Yes, you can get in touch with a customer care executive via twitter by sending a message to the twitter handle @SBICard_Connect

    9. How can I check my Credit Card Outstanding and available credit limit?

      You can check the outstanding amount and available credit limit by logging in to SBI Card account either online or through the mobile app and check the available credit limit under ‘Current Outstanding’ under the ‘Account’ section.

      You can also send the last 4 digits of your card number via SMS to 5676791 from your registered mobile number and check the outstanding balance you will have to pay. You can also send a mail to or call the helpline number in order to know the available credit limit.

    10. How can I change or generate PIN of my SBI Apollo Credit Card?

      You can change or generate your SBI Apollo Credit Card Pin by logging into your netbanking account.


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