State Bank of India
Apollo SBI Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate0.5% base, up to 2% on dining; 3% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Add-on cardFree
01Apollo SBI Card Rewards and Benefits
02Apollo SBI Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
- Add-on card
- Free
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 2%₹100
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹2,100 a year₹175
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,100
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries only at Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics: 3% back
- Dining: 2% back
- Spending ₹8,333 or more a month: the ₹589 fee is waived
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics: the 3% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Apollo SBI Card earns Rewards
0.5% base, up to 2% on dining; 3% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | All merchants in the categoryTerms: 2X Reward Points per ₹100 (~2%) on Dining, Movies & Entertainment; 1 RP = Re.1 |
| Groceries | 0.5% | No cap | Anywhere else in the category |
| Groceries, only at listed merchants | 3% | No cap | Only at: Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & ClinicsTerms: 3X Reward Points per ₹100 (~3%) on all Apollo services, plus up to 10% instant discount at select Apollo services. 1 RP = Re.1. Applies to health/pharmacy spends, not all grocery |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.5% | No cap | The card's normal rate |
| School and college fees | 0.5% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 1 RP per ₹200 (~0.5%) on other purchases; 1 RP per ₹100 (~1%) on Beauty & Wellness. Reward Points convert to Apollo Health Credits at Re. 1 each
05Apollo SBI Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. ott subscription, fuel surcharge waiver.
- OTT subscription: Complimentary OneApollo Gold Tier membership, granted as a welcome benefit, it is not spend-gated
- Fuel surcharge waiver: 1% fuel surcharge waiver at all petrol pumps across India; maximum ₹100 per month
06Apollo SBI Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2025 | Reduced: 1% fee on third-party education payments & wallet loadsSource: State Bank of India | No surcharge on education/wallet-load spends | 1% fee on 3rd-party education fees & wallet loads over ₹1,000 |
| 15 May 2025 | Changed: Apollo SBI Card launched | - | - |
See this card's change history → · All card changes in November 2025 →
08Cards Similar to Apollo SBI Card
Apollo SBI Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Apollo SBI Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹499 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2% on dining; 3% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Apollo SBI Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Apollo SBI Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Apollo SBI Card?
The annual fee is ₹499 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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