Stay Healthy and Save More With the Apollo SBI Card SELECT
Bio
Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.
- 8 Dec 25
- 5 mins
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Stay Healthy and Save More With the Apollo SBI Card SELECT
Sandipan Mitra- 08 Mins
- 08-12-25
Key Takeaways
- Apollo SBI Card SELECT offers high savings on medicines, lab tests, doctor consultations and wellness products through Apollo 24/7.
- Rewards convert into Apollo Health Credits, giving direct monetary value for healthcare spends.
- Welcome voucher matches the joining fee, ensuring zero net entry cost.
- Milestone gifts and lounge access add premium lifestyle value.
- Annual fee waiver at ₹3 lakh spends makes Apollo SBI Card SELECT cost-effective for regular healthcare users.
Apollo SBI Card SELECT is a premium healthcare card from SBI Card and Apollo Group. It brings strong value for users who want rewards for health expenses. The card stands above the base Apollo SBI Card with higher value-back, lounge access and milestone perks.
You get a ₹15,00 welcome voucher that matches the ₹1,499 joining fee. The renewal fee also stays the same and it is waived off when your annual spends cross ₹3 lakh.
HealthCare Benefits from Apollo SBI Card SELECT
The Apollo SBI Card SELECT target audience is anyone who spends a fortune on healthcare. You get doctors on call, free medicine delivery and a ₹1 lakh accidental cover.
- Savings on Medicines: The Apollo SBI Card SELECT gives strong value on medicine bills. You save up to 25% on orders through Apollo 24/7 and Apollo Pharmacy. This makes your health expenses lighter and more manageable.
- Savings on Lab Tests: Your routine checks stay affordable with up to 30% savings on lab tests on Apollo 24/7. This benefit supports regular monitoring without high costs.
- Welcome Voucher: You receive a welcome voucher worth ₹1,500. You can redeem it on all medicine orders through the Apollo 24/7 App or at Apollo Pharmacy stores.
- Savings on Doctor Consultations: The card also offers up to 10% extra savings on doctor consultations. This keeps expert care within reach at a lower cost.
- Added Savings on Wellness Products: You get up to 10% savings on health and wellness items on Apollo 24/7. The offer covers skin care, baby care, supplements and more, which keeps your essentials within a lower budget.
How Does Your Apollo SBI Card SELECT Rewards and Savings Work?
To make your benefits easy to follow, here is a combined view of how you earn rewards and how those rewards turn into real yearly savings. The first part shows the reward rates you earn in each category.
The second part shows a sample annual savings breakdown when you spend across key health and lifestyle categories.
- Reward Rates Across Categories
| Spend Category | SBI Reward Points Earned | Apollo Health Credits/Discount |
| Medicine Purchases | 10% | Up to 15% |
| Doctor Consultations | 10% | NA |
| Diagnostic Tests | 10% | Up to 20% |
| Non-Medicinal Products | 10% | NA |
| Dining, Travel, Movies and Entertainment | 2% | NA |
| Non-Apollo Spends | 1% | NA |
| Beauty and Wellness | 0.50% | NA |
Note: SBI Reward Points convert into Apollo Health Credits. One Health Credit equals ₹1.
- Sample Yearly Savings Breakdown
| Spend Category | Annual Spend | Health Credits | Reward Points |
| Doctor Consultations | ₹10,000 | NA | 1,000 |
| Lab Tests | ₹10,000 | ₹2,000 | 1,000 |
| Other Apollo Products | ₹50,000 | NA | 5,000 |
| Dining Spends | ₹50,000 | NA | 1,000 |
| Travel Spends | ₹70,000 | NA | 1,400 |
| Medicine Purchases | ₹72,000 | ₹10,800 | 7,200 |
| Other Spends | ₹90,000 | NA | 450 |
💡For your bill payments and tracking business transactions, use the PICE App.
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Other Apollo SBI Card SELECT Benefits
The Apollo SBI Card SELECT gives useful milestone gifts as your spending rises. You get a diagnostic test worth ₹1,999 after spending ₹50,000 in the first 90 days. You also get a Noise watch worth ₹7,999 when your yearly spending touches ₹6 lakh.
Some other privileges that come with this premium variant are:
- Free FITPASS PRO: You receive a free FITPASS PRO membership. It gives access to gyms, fitness centres and select classes. You can attend up to 12 sessions a month across a curated fitness network.
- Lounge Access: The card offers 4 domestic airport lounge visits each year, with one visit allowed per quarter. You also get a complimentary Priority Pass membership worth $99.
Comparing the Common SBI Card Features with Apollo SBI Card SELECT
Just like all other SBI Cards, the SBI Apollo SELECT Card offers a wide set of useful features.
- You get lounge access, a fuel surcharge waiver and secure chip-and-PIN protection.
- Add-on cards support your family.
- Flexipay and Balance Transfer on EMI help manage big spends with ease.
- You also get simple bill payment options and global ATM access for quick cash needs.
SBI Apollo SELECT Card Fees and Charges
| Parameters | Amount |
| Card Replacement Fee | ₹100-250 |
| Cheque Payment Fee | ₹200 |
| Finance Charges | 3.50% monthly or 42% annually |
| Overlimit Fee | 2.5% or ₹600, whichever is higher. |
| Late Payment | NIL till ₹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. |
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Conclusion
The Apollo SBI Card SELECT delivers strong value for healthcare-focused users with high medical and wellness expenses. Its rewards, discounts and milestone perks help reduce yearly costs while offering premium benefits like lounge access and FITPASS PRO. Overall, Apollo SBI Card SELECT is a smart, savings-driven choice for health-conscious families.
FAQs
Who should get the Apollo SBI Card SELECT?
Ideal for families or individuals with high yearly medical, pharmacy and diagnostic expenses.
What is the welcome benefit?
You get a ₹1,500 welcome voucher usable on Apollo 24/7 or Apollo Pharmacy.
How do rewards work on Apollo SBI Card SELECT?
Reward Points convert into Apollo Health Credits, each worth ₹1 for medical spends.
Does Apollo SBI Card SELECT provide accident insurance?
Yes, it includes a ₹1 lakh accidental insurance cover.
Can the renewal fee be waived?
Yes, the annual fee is waived when your yearly spends exceed ₹3 lakh.
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