Base reward rate: Up to 10 reward points for every ₹100 on Apollo spends, 2 points on dining, travel, movies & entertainment, and 1 point for every ₹200 on other spends.
Redemption options: Apollo Health Credit
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 1499
Annual fee: 1499
Pros
Exceptional 10% reward rate on the co-brand partner (10 points per ₹100 spent at Apollo 24/7 and Apollo Pharmacy), with a high-value 1:1 redemption for Apollo Health Credits.
Strong welcome benefit of a ₹2,000 Apollo 24/7 e-gift voucher, which more than compensates for the ₹1,499 joining fee.
Unique, high-value wellness benefits not commonly found in this segment, including a complimentary comprehensive health check-up and a 1-year FITPASS PRO membership annually.
Attractive milestone benefit of a Noise Smartwatch (stated value ₹8,000) on achieving annual spends of ₹6 Lakh.
Features 4 complimentary domestic lounge visits per year (1 per quarter) without any minimum spend requirement, a standard but essential perk for this card's fee level.
Reasonable annual fee waiver threshold of ₹3 Lakh, making it achievable for targeted users to hold the card for free from the second year onwards.
Complimentary lounge access with no minimum spend requirement
Cons
Extremely low base reward rate of just 0.5% (1 point per ₹200) on general spends, which is significantly below the 1%-1.5% typically expected from cards in this fee segment.
Highly restrictive redemption options, as reward points can only be converted to Apollo Health Credits, offering zero flexibility for cashback, airline miles, or other vouchers.
The fuel surcharge waiver is capped at a low limit of ₹100 per month, diminishing its value for users with high fuel consumption.
Best Use Case
Individuals who frequently use Apollo 24/7 and Apollo Pharmacy services and value health and wellness benefits.