Apollo SBI Card SELECT
2 points per ₹100 eligible restaurant purchase, 1 point per ₹200 ordinary retail; each worth ₹1 only as Apollo Health Credit.
Try your spend →How this estimate works
Apollo SBI Card SELECT earns 2 points per ₹100 at restaurant merchant category codes 5812 and 5814, and 1 point per ₹200 on eligible ordinary retail. The dining, entertainment and travel accelerator shares a 5,000-point cap per statement cycle; eligible spend above its cap earns the base 1 point per ₹200, but the calculator omits that residual amount for a single large purchase rather than assuming its accrual. The calculator scores dining and ordinary retail, but does not assign the travel accelerator because the generic chip cannot prove the MCC. Apollo 24|7 and Apollo Pharmacy purchases can earn 10 points per ₹100, subject to a separate 5,000-point cap and a qualifying merchant list; no Apollo-specific chip exists, so that rate is described but not scored. Points convert at 1:1 into Apollo Health Credits, worth ₹1 each only within the Apollo ecosystem. These are not statement credits or cash. Fuel, wallet loads, rent, government, gaming and EMI are excluded. Points expire after 24 months. ₹1,499+estimated GST annual fee is deducted; prior-year ₹3 lakh renewal waiver, welcome voucher, health discounts, lounge access and other benefits are omitted. Confirm Apollo redemption eligibility before treating the estimated credits as spendable.
Issuer terms
Issuer Apollo SELECT reward rules · Issuer fee and renewal waiver · Issuer Apollo SELECT rewards FAQ
Terms checked 29 September 2026. ₹1/point is restricted to Apollo Health Credits, not statement cash.