Apollo SBI Card SELECT: India's Premier Healthcare Credit Card

By: Our Money Guide | Last updated on: December 5, 2025

The Apollo SBI Card SELECT is one of the best healthcare credit cards in India, launched through a strategic partnership between Apollo 24|7 and SBI Cards. Launched as a premium healthcare credit card, it offers exclusive benefits and features across the Apollo ecosystem and also lifestyle benefits like airport lounge access.

Key Benefits at a Glance

Healthcare Benefits:

• Up to 20% value back on medicines and health products (through built-in Apollo Circle membership)
• 10% reward on Apollo 24|7 and Apollo Pharmacy purchases
• Comprehensive health check-up packages

Lifestyle Benefits:

• Domestic airport lounge: 4 times per year
• Complimentary Priority Pass membership worth US $99
• 1% fuel surcharge waiver
• 2% accelerated reward on dining, travel, and entertainment spends

Welcome Benefits:

• ₹1,500 Apollo 24|7 e-gift voucher on joining fee payment
• 1-year complimentary FITPASS PRO membership

Features & Benefits of the Apollo SBI Card SELECT

Reward Structure

Up to 10% Rewards 

10% Rewards On Apollo Ecosystem Spends

• 10 Reward Points worth ₹10, per ₹100 spent on Apollo 24|7 and Apollo Pharmacy
• Monthly limit: 5000 reward points, reached at ₹50,000 monthly spending

2% Reward On Travel & Lifestyle Categories 

• Earn 2 Reward Points  worth ₹2, per ₹100 spent on Dining, Movies & Entertainment, and Travel
• Monthly limit: 5000 reward points, reached at ₹2.50 lakh monthly spending

0.50% Reward On Other Purchases 

• Earn 1 Reward Point worth ₹1, per ₹200 spent on other purchases

Reward Redemption

You can redeem your Reward Points for Apollo Health Credits only:

• 1 Reward Point = 1 Apollo Health Credit = ₹1
• Health Credits valid for 1 year from earning date

Milestone Benefits

Complimentary Noise Smartwatch worth ₹7,999 on annual spends of ₹6 lakhs

Healthcare Benefits

Built-in Apollo Circle Benefits (Ongoing)

The Apollo SBI Card SELECT includes permanent, built-in Apollo Circle benefits that apply throughout your card membership when using the card for Apollo transactions:

Value Back Benefits:

• Up to 15% Value Back as Health Credits on medicines
• Up to 20% Value Back as Health Credits on diagnostic services
• Up to ₹150 in savings on doctor consultations
• Free home delivery of medicines
• Value Back credited as Health Credits to Apollo 24|7 Wallet immediately upon transaction completion

Additional Circle Benefits:

• One free test annually (HbA1c, TSH, or CBC)
• ₹1 lakh accidental coverage

Comprehensive Health Check-ups

• Welcome Benefit: Comprehensive Health Check-up Package when you spend ₹50,000 within 90 days of joining
• Annual Benefit: Spend ₹50,000 within 90 days of your card anniversary every year and get complimentary Comprehensive Health Check-up package
• Health check-up package worth ₹1,999

FITPASS PRO Membership (Welcome Benefit)

Enjoy 1-year complimentary FITPASS PRO Membership when you pay joining fee and make at least one retail transaction. This membership provides access to:

• 8,500+ gyms and fitness centers
• At-home workout sessions
• Yoga and meditation classes
• Sports activities and group fitness classes

Travel Benefits

Domestic Airport Lounge Access:

The Apollo SBI SELECT Credit Card offers cardholders complimentary domestic airport lounge visits without requiring any spending criteria. The benefit structure includes:

• 4 complimentary domestic lounge visits per year
• Capped to 1 visit per quarter
• Available at RuPay and Mastercard network lounges

Priority Pass Membership:

Additionally, the card provides a complimentary Priority Pass membership for the first two years:

• Standard Priority Pass membership worth $99
• Access to international lounges at reduced rates
• Visit charges: USD 35 + applicable taxes per visit
• No complimentary international lounge visits

Fuel Benefits

• 1% Fuel Surcharge Waiver for fuel transactions between ₹500 and ₹4,000
• Maximum Surcharge waiver of ₹100 per statement cycle

Conclusion

Is Apollo SBI Card SELECT Worth It?

The Apollo SBI Card SELECT represents a unique proposition in the Indian credit card market as one of the best healthcare-focused credit cards. With its exceptional 10% reward rate on Apollo ecosystem spending, Apollo Circle membership benefits, and comprehensive health benefits, it delivers significant value for users invested in the Apollo healthcare network.

Best For:

• Regular Apollo 24|7 and Apollo Pharmacy users
• Health-conscious individuals/ individuals with significant medical expenses
• Users who can spend ₹3 lakh yearly primarily within the Apollo ecosystem to help them qualify for annual fee waivers

Bottom Line:

The Apollo SBI Card SELECT offers best-in-class healthcare returns and comprehensive wellness benefits. However, it is suitable only as a complementary card for healthcare spending rather than a primary all-purpose credit card. For individuals regularly using Apollo services, the Apollo SBI Card SELECT offers good value with its combination of reward rates, health benefits, and wellness features.

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