अपोलो एसबीआई कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Healthcare credit card offering OneApollo Gold membership, 3X points on Apollo Hospitals & Pharmacy, and 1:1 redemption as Apollo Health Credits.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Apollo SBI Card is a specialized healthcare co-branded credit card created for families, senior citizens, and patients with recurring prescription medicine, diagnostic testing, and healthcare expenses at Apollo Hospitals and Apollo Pharmacy. It provides complimentary OneApollo Gold membership and 1:1 Health Credits redemption.
500 bonus Reward Points (worth ₹500) upon payment of joining fee + complimentary OneApollo Gold Tier Membership.
No complimentary airport lounge access.
1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per billing cycle).
Annual renewal fee waiver of ₹499 upon achieving annual retail spends of ₹1,00,000.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried corporate employees and self-employed professionals aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹2,40,000 per annum (Salaried) / ₹3,60,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Aadhaar Card 3. Recent salary slip or ITR copy.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
General retail purchases earn a modest 1 point per ₹200 (0.50% value back). 1:1 redemption is locked into the Apollo healthcare ecosystem; catalog or cash redemption yields standard lower valuations. No airport lounge access.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Apollo SBI Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Apollo SBI Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Apollo SBI Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Apollo SBI Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 when redeemed as Apollo Health Credits for medicine purchases, diagnostic lab tests, or hospital consultations (1:1 redemption ratio). Please note: Reward points expire 24 months from the date of accrual.
What is the interest-free grace period on Apollo SBI Card and how does it work?
The interest-free period on Apollo SBI Card is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.