Apollo Sbi Card Mastercard Credit Card vs Sbi Card Tata Select Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers minimal benefits, lacking any notable rewards or fees. In contrast, the Sbi Card Tata Select Credit Card provides a structured rewards program and additional perks, making it a more appealing option for users seeking value.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Sbi Card Tata Select Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.2999 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 3X Empower Points on International Spends |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefits - e- Gift Voucher Worth Rs.3000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Tata Select Credit Card is better for rewards, offering 3X Empower Points on international spends and various categories like dining and groceries. In contrast, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards structure, making it less attractive for those looking to earn points or cashback on their spending.
Which is better for travel?
For travel benefits, the Sbi Card Tata Select Credit Card stands out with 8 complimentary domestic airport lounge accesses per year, enhancing the travel experience. The Apollo Sbi Card Mastercard Credit Card lacks any lounge access or travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have undefined joining and renewal fees, leading to a tie in this dimension. However, the Sbi Card Tata Select Credit Card has a clearly stated annual fee of Rs. 2999, while the Apollo Sbi Card Mastercard Credit Card does not specify any fees, which could imply a more straightforward cost structure.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no defined fees or if you are looking for a basic credit card without the complexities of rewards and perks.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you want a card that offers a structured rewards program, travel benefits, and a welcome voucher, making it a better fit for those who spend internationally and dine out frequently.
Frequently Asked Questions
The Apollo Sbi Card Mastercard Credit Card does not offer any rewards.
Yes, the Sbi Card Tata Select Credit Card has an annual fee of Rs. 2999.
The Sbi Card Tata Select Credit Card provides 8 complimentary domestic airport lounge accesses per year.
Yes, the Sbi Card Tata Select Credit Card offers a welcome benefit of an e-Gift Voucher worth Rs. 3000.