वेतनभोगी एवं दैनिक उपयोग (Salaried)नेटवर्क: Visaसत्यापित: 2026-09-28 (180-दिवसीय SLA)

अपोलो एसबीआई कार्ड सेलेक्ट

जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)

Premium healthcare credit card offering OneApollo Platinum tier, up to 10% value back on Apollo healthcare, 4 domestic lounge visits, and annual health checkup.

वार्षिक शुल्क (Annual Fee)₹1,499 + GST (Renewal: ₹1,499 + GST)

शुल्क माफी खर्च सीमाSpend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

रिवॉर्ड दर (Reward Rate)Up to 10% value back (Reward Points) on Apollo services, consultations, and Apollo 24|7 orders. 3 Reward Points per ₹100 on dining and entertainment. 1 Reward Point per ₹100 on other retail.

ब्याज प्रभार (APR)Up to 3.50% per month (42.00% per annum).

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

Apollo SBI Card SELECT is a premium healthcare card providing enhanced health savings, complimentary full-body check-up vouchers, domestic airport lounge access, and OneApollo Platinum membership for wellness-conscious individuals.

स्वागत लाभ (Welcome Benefit)

1,500 bonus Reward Points (worth ₹1,500) upon payment of joining fee + complimentary OneApollo Platinum Tier Membership.

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum ₹100 per statement cycle).

माइलस्टोन खर्च लाभ (Milestone Perks)

Complimentary comprehensive annual health check-up package at Apollo Hospitals on spending ₹2 Lakhs annually. Fee waiver on ₹2 Lakh spend.

📋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

₹3,60,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)

CIBIL स्कोर आवश्यकता: Recommended CIBIL score of 720+.

📂आवश्यक दस्तावेज (Required Documents)

1. PAN Card 2. Aadhaar Card 3. Last 3 months' salary slips or recent ITR.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)

Annual fee of ₹1,499 requires ₹2 Lakhs annual spend to waive. Lounge access is capped at 1 visit per quarter. Surcharge waiver limited to ₹100 per cycle.

विलंब भुगतान शुल्क: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.

एटीएम नकद निकासी शुल्क:2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.

विदेशी मुद्रा मार्कअप:3.50% + GST.

🚀आवेदन के चरण (How to Apply)

Step 1: Visit sbicard.com/apply or open the YONO SBI app and select Apollo SBI Card SELECT. 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.

आधिकारिक कार्ड पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What happens if I miss the minimum payment due on Apollo SBI Card SELECT?

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 SELECT 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 SELECT?

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 for Apollo Health Credits. Please note: Reward points expire 24 months from accrual.

What is the interest-free grace period on Apollo SBI Card SELECT and how does it work?

The interest-free period on Apollo SBI Card SELECT 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.