State Bank of India
Apollo SBI Card SELECT
Data last verified: 11 October 2026
- Joining fee₹1,499 + GST
- Annual fee₹1,499 + GST
- Reward rate0.5% base, up to 2% on dining; 10% 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₹1,499 + GST
- Annual fee₹1,499 + GST
- Fee waiverOn ₹3 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Add-on cardFree
01Apollo SBI Card SELECT Rewards and Benefits
02Apollo SBI Card SELECT Annual Fee and Charges
- Joining fee
- ₹1,499 + GST
- Annual fee
- ₹1,499 + GST
- Spend-based waiver
- Annual fee waived on ₹3 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−₹1,769
- In your pocket each year₹331
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: 10% back, up to ₹5,000 a month
- Dining: 2% back, up to ₹5,000 a month
- Spending ₹25,000 or more a month: the ₹1,769 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you rarely spend on Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & Clinics: the 10% 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 SELECT earns Rewards
0.5% base, up to 2% on dining; 10% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 2% | ₹5,000, shared with other bonus rates | All merchants in the categoryTerms: 2 Reward Points per ₹100 (~2%) on Dining, Movies & Entertainment and Travel, capped at 5,000 points a statement cycle SHARED across all three, then 1 RP per ₹200; 1 RP = Re.1 |
| Groceries | 0.5% | No cap | Anywhere else in the category |
| Groceries, only at listed merchants | 10% | ₹5,000 | Only at: Apollo 24|7, Apollo Pharmacy, Apollo Hospitals & ClinicsTerms: 10 RP per ₹100 (~10%) at Apollo 24|7 and Apollo Pharmacy only, capped at 5,000 points a statement cycle, beyond that, 1 RP per ₹200. Paying by UPI at Apollo earns only 1 RP per ₹200, so swipe or tap. 1 RP = 1 Health Credit = Re.1. Mapped to GROCERY as there is no healthcare category |
| Travel: flights, hotels, trains | 2% | ₹5,000 | All merchants in the categoryTerms: 2 Reward Points per ₹100 (~2%) on Travel, Dining and Movies & Entertainment; 1 RP = Re.1. The 5,000-point statement-cycle cap covers this tier and the dining row together, ONE ceiling between them, not 5,000 each |
| 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 Reward Point per ₹200 (~0.5%) on all other purchases. Reward Points redeem only as Apollo Health Credits at Re. 1 each
05Apollo SBI Card SELECT Lounge Access and Travel
Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. 4 complimentary domestic airport lounge visits a year (max 1 per quarter), plus a 2-year complimentary Priority Pass membership worth US $99. 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. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all petrol pumps across India; maximum ₹100 per statement cycle
- Milestone bonuses: Complimentary Noise smartwatch worth ₹7,999 on annual spends of ₹6 lakh; renewal fee reversed on ₹3 lakh of annual spend
06Apollo SBI Card SELECT 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 SELECT launchedSource: State Bank of India | - | - |
| 1 Dec 2024 | Reduced: Digital gaming spends stop earningSource: State Bank of India | Reward Points earned | No Reward Points on MCC 5816, 7993, 7994 |
See this card's change history → · All card changes in November 2025 →
08Cards Similar to Apollo SBI Card SELECT
Apollo SBI Card SELECT 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 SELECT |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,499 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,499 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 2% on dining; 10% 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 | 4 visits a year | 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 SELECT 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 SELECT?
The joining fee is ₹1,499 + 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 SELECT?
The annual fee is ₹1,499 + GST.
Does the Apollo SBI Card SELECT give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
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.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
