Apollo Sbi Card Mastercard Credit Card vs Shaurya Sbi Rupay Platinum Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card and the Shaurya Sbi Rupay Platinum Credit Card offer distinct features for potential users. While the Apollo card lacks any notable benefits, the Shaurya card provides a welcome gift and multiple reward points on various categories, making it more appealing for rewards-focused users.
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 | Shaurya Sbi Rupay Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Rupay |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fees - Rs.250 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 5X Reward Points on Departmental Stores and Grocery |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get 1000 Reward Points as Welcome Gift |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Shaurya Sbi Rupay Platinum Credit Card is significantly better for rewards due to its structured reward points system. Users can earn 5X points on categories like departmental stores, groceries, dining, and movies, along with a welcome gift of 1000 reward points. In contrast, the Apollo Sbi Card offers no rewards or benefits, making it less attractive for those looking to maximize their spending.
Which is better for travel?
Both cards do not provide any travel-related benefits such as lounge access or travel insurance. Therefore, they are equally unsuitable for frequent travelers. Users should consider other options if travel perks are a priority.
Which has lower effective cost?
The Shaurya Sbi Rupay Platinum Credit Card has an annual fee of Rs.250, which can be waived by spending Rs.50,000 annually. The Apollo Sbi Card does not specify any fees, which might imply no annual cost, but it also lacks any benefits. Thus, while the Shaurya card has a clear fee structure, the Apollo card's lack of benefits makes it less favorable overall.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no specified fees and do not require rewards or benefits. This card may suit users who want a basic credit card without the complexities of rewards programs.
Who should pick Shaurya Sbi Rupay Platinum Credit Card?
Consider Shaurya Sbi Rupay Platinum Credit Card if you are looking for a card that offers substantial rewards on everyday spending and a welcome bonus. This card is ideal for users who frequently shop at departmental stores and dine out.
Frequently Asked Questions
The Apollo Sbi Card does not specify any annual fees.
You can waive the renewal fee of Rs.250 by spending Rs.50,000 annually.
You can earn 5X reward points on departmental stores, groceries, dining, and movies, along with 1 reward point per Rs.100 spent.
No, the Apollo Sbi Card does not offer any welcome benefits.