What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards. Renewal Fee is waived if annual spends in the previous year are Rs. 1 lakh or more

Can I use my card internationally?

Yes, you can use your Apollo SBI Card at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can make payments at any outlet that accepts MasterCard.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaMastercard

Apollo SBI Card

Entry-LevelEntryMastercard✦ Apollo

Apollo SBI Card

Free healthcare rewards card for everyday spenders

Annual fee₹499Waived on ₹1.0L spend

Rewards0.25%0.5 Reward Point per ₹200

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹500

500 Reward Points worth ₹500 and OneApollo Gold Tier Membership

Type: Reward Points And Membership
Trigger: Joining Fee Payment
Partner: Apollo

Rewards

Base earn rate

1 Reward Point on every ₹200 spent on other non-fuel retail purchases

Excludes: Fuel

Category	Rate	Cap
Apollo Services	3X Reward Points on every Rs. 100 spent on all Apollo services	—
Dining Movies Entertainment	2X Reward Points on every Rs. 100 spent on Dining, Movies & Entertainment	—
Beauty Wellness	1 Reward Point on every Rs. 100 spent on Beauty & Wellness services	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Annual Fee Waiver on spending Rs. 1,00,000 or more in a year.

Fees & charges

Joining fee: ₹499 + taxes
Annual / renewal fee: ₹499 + taxes
Annual fee waiver: Renewal Fee waived if annual spend in the previous year ₹1 Lakh or more
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, max ₹100/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹1,300