Apollo SBI Card

The Apollo SBI Card has been launched in collaboration with Apollo hospitals and therefore, has been specifically aimed at providing its holders with healthcare benefits. The users of the card can get discounts on select Apollo healthcare services. At the same time, the users get rewards for using the card at any Apollo hospital. The card is beneficial in the healthcare category that has rarely been included in credit cards. 

An all important part of the healthcare sector, Apollo Healthcare is involved in routine wellness along with preventive healthcare and research in technologies and diagnostics that fixate on the health of people. It is a pharmacy network that works and operates in more than 120 countries.

  • Sure Card
  • Apollo SBI Card
Features Sure CardApollo SBI Card
EligibilityEveryone 18+Salaried or Self-employed. Must be a resident of one of the serviceable cities
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 (Rs. 499+ 18% GST)
Annual FeesNILRs.588.82 (Rs. 499+18% GST) Zero annual fee for first year; reversed on annual spend of Rs. 1 lakh
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeesNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit chargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel surchargeNIL1% of purchase amount 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 3000
Foreign currency transactionNIL3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.1 reward points=Re. 1 3x rewards points on every Rs. 100 spent on Apollo services. 10% instant discount at select Apollo services. 2x reward points on every Rs. 100 spent on dining, movies and entertainment. 1 reward points for every Rs. 100 spent on Beauty and Wellness services Complimentary Apollo Gold Tier Membership
Referral RewardYesNo
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
PrivacyYour data is not used and not soldNo Transparency. You may get calls for up-sells or cross-sellsBajnaBal
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Apollo SBI Card vs. SURE Card

The card also provides the card holders with complimentary Apollo Gold Tier Membership that can help them avail discounts on treatments and health check ups. The discounts are offered according to the tier – ascending from silver to gold and then to platinum that gets maximum discounts. 

The Apollo SBI Card is a rare venture into the healthcare sector and therefore can be very beneficial for the holder. However, it is important to check your eligibility in terms of the city you reside in. In addition to this, it would be recommended that you possess a credit card that can provide you with lifestyle and travel benefits along with the Apollo SBI Card. SURE card can be used across all these categories and allows for flexibility.

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