Disclosed is an organic light-emitting display apparatus. The organic light-emitting display apparatus includes a substrate, a first reflective electrode that is disposed over the substrate, an organic layer that is disposed over the first reflective electrode, and includes a light emission layer, and a second reflective electrode that is disposed over the organic layer. At least one of the first and second reflective electrodes comprises a low refractive layer having a refractive index of about 1.4 or less which is smaller than that of the organic layer.