Apollo SBI Card SELECT

Lounge access

• 4 complimentary domestic lounge visits per year (max 1 per quarter).
• Complimentary 2-year Priority Pass Membership (no complimentary international visits; visits charged at USD 27 + applicable taxes per visit).
• Lounge visits within India via International Lounge Access Programs charged up to USD 27 + taxes per visit.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Forex markup

• 3.5% Foreign Currency Transaction Fee (not applicable for Krishak Unnati SBI Card).
• Dynamic Currency Conversion Fee 3.5% on transactions >= ₹1,000 in Indian currency at international locations or India-merchants registered overseas.

Verified · Most Important Terms & Conditions (MITC) – All SBI Cards · 2026-08-04 · source

Charge

• Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
• Minimum Finance Charge ₹25.
• Cash Advance Fee: 2.5% of transaction amount, minimum ₹500 (domestic and international ATMs).
• Cash Payment Fee: ₹250.
• Cheque Payment Fee: ₹200.
• Payment Dishonor Fee: 2% of Payment amount, minimum ₹500.
• Late Payment Charges: Nil up to ₹100.
• ₹100 (>₹100-500).
• ₹500 (>₹500-1,000).
• ₹750 (>₹1,000-10,000).
• ₹950 (>₹10,000-25,000).
• ₹1,100 (>₹25,000-50,000).
• ₹1,300 (>₹50,000).
• Plus additional ₹100 for missing MAD two consecutive cycles.
• Overlimit Fee: 2.5% of overlimit amount, minimum ₹600.
• Card Replacement Fee: ₹100-₹250.
• Dynamic Currency Conversion Fee: 3.5%.
• Rewards Redemption Fee: ₹99.
• Rent Payment Processing Fee: ₹199.
• Utility Payments Fee (w.e.f. 1st Dec 2024): 1% if total Utility Payments exceed ₹50,000 in a billing cycle.
• Fee on Education Payments via third-party apps (w.e.f. 1st Nov 2025): 1%.
• Fee on Wallet Load (w.e.f. 1st Nov 2025): 1% on every wallet load transaction exceeding ₹1,000.

Verified · Most Important Terms & Conditions (MITC) – All SBI Cards · 2026-08-04 · source

Interest-free period

Interest free credit period ranges from 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · Most Important Terms & Conditions (MITC) – All SBI Cards · 2026-08-04 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver for each transaction between ₹500 and ₹4,000.
• Maximum surcharge waiver of ₹100 per statement cycle, per credit card account.
• Applicable for MCCs 5172, 5541, 5542, 5983.

Verified · Terms & Conditions Booklet – Apollo SBI Card SELECT · 2026-08-04 · source

Milestone benefit

• Complimentary Noise Smartwatch worth ₹7,999 on annual spend of ₹6 lakh.
• Additionally: Complimentary Comprehensive Health Check-up Package on spending ₹50,000 within 90 days of joining, and an additional one on spending ₹50,000 within 90 days of card anniversary from second membership year.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Redemption value

• 1 Reward Point = 1 Health Credit = Re.1.
• Reward Points redeemable only for Apollo Health Credits (1:1 ratio) via SBI Card Mobile App or Website.
• Rewards Redemption Fee: ₹99.
• Reward Points expire after 24 months from date of accrual.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Reward cap

• Maximum 5,000 Reward Points per Statement Cycle applied separately to two categories: Instore Spends (Apollo 24|7 App & Stores) capped at 5,000.
• Dining, Movies & Entertainment, Travel capped at 5,000.
• After reaching the cap in each category, cardholder accrues 1 Reward Point per ₹200 on eligible transactions in accelerated categories.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Reward exclusion

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Dining benefit

1-year complimentary FITPASS PRO Membership on payment of joining fee and making at least one retail transaction.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Insurance

• ₹1 lakh Accidental cover (built-in Apollo Circle benefit).
• Complimentary lost/stolen card insurance / fraud liability cover on certain cards, provided by an insurance company.

Verified · Welcome Voucher Terms & Conditions – Apollo SBI Card SELECT · 2026-08-04 · source

Eligibility

• Available on RuPay and Mastercard networks.
• RuPay variant can be linked to any UPI app for payments.
• Mastercard variant cannot be linked to UPI apps.

Verified · FAQ / Rewards & Program Terms – Apollo SBI Card SELECT · 2026-08-04 · source

Official terms

https://www.sbicard.com/en/personal/credit-cards/rewards/apollo-sbi-card-select.page.

Verified · Apollo SBI Card SELECT product page · 2026-08-04 · source