1 Apollo Health Credit is worth ₹0.90 in India.
₹0.90₹900 per 1,000 Health Credits, our house mark
₹0.90 · first marked 15 Aug 2026, never re-marked since
How we got this ₹ figure
₹0.90 is our HOUSE value for a Health Credit — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹1.00, the ceiling) and not the worst you can always fall back on (₹0.60, the floor). It is the number every route on this page is priced with.
We hold one dated point for Apollo Health Credits — the mark itself. There is no earlier valuation on our record, so this page shows no trend line rather than drawing one. How we value a point →
Which of my cards reach it? — 2 do
2 cards earn Apollo Health Credits outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
Apollo SBI Card SELECT0.5%SBI CardApollo SBI Card0.5%SBI CardApollo SBI Card SELECT's currency, and it is not sbi-reward-points wearing a different name — SBI's own booklet prints "1 Reward Point = 1 Apollo Health Credit" and "Closed loop redemption, rewards can only be redeemed as Apollo Health Credits", where the legacy SBI currency runs 4 points to the rupee against a general catalogue. So the peg is ₹1 and ₹1 is a hard ceiling: the points "cannot be exchanged for cash or credit or used to obtain cash advances, or used against payment for any charges incurred on the SBI Credit Card". Marked 10% under face because the only exit is medicine and diagnostics inside one hospital group, on a 24-month fuse — a lighter haircut than hsbc-taj-points takes for the same shape, because a pharmacy bill is a recurring household necessity and a Taj suite is not. Floor is a holder whose family does not put ₹1 of Apollo spend through before the points lapse.
Apollo Health Credits has held — we grade its nerf risk stable No tracker events on record for this program How we grade it →
Expiry: 24 months from accrual (official T&C cl. 11.4i — "Points, if not redeemed, will expire after a period of 24 months from the date of the accrual")
No corridor on our board prices a seat in Apollo Health Credits against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
Straight answers
The questions people actually type about Apollo Health Credits — answered from the same data as everything above, with the same numbers.
What is 1 Apollo Health Credit worth in INR?
Our desk marks Apollo Health Credits at ₹0.90 a Health Credit — so 1,000 Health Credits are worth ₹900 and 10,000 are worth ₹9,000. That is the number every route on this page is priced with. The ₹0.60 floor is the redemption you can always fall back on; the ₹1.00 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 15 Aug 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn Apollo Health Credits?
2 Indian cards earn Apollo Health Credits outright. Best-ranked earners: Apollo SBI Card SELECT and Apollo SBI Card, the best of them at 0.5% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did Apollo Health Credits last devalue?
We hold no dated events for Apollo Health Credits at all — no devaluation, no buff, nothing sourced — and we will not fill that gap with a guess. The nerf-risk grade reads stable, which on a program with no logged history means untested rather than safe.
Verified against SBI Card's own documents on · our house ₹/Health Credit, ₹0.90 today
Not published , and we will not invent it: how long posting takes · its award terms — surcharges and the booking window.