An organic light-emitting display apparatus including a substrate; an insulating layer disposed on the substrate; a first pixel electrode disposed on the insulating layer and including a reflecting layer; a pixel defining layer disposed around one end of the first pixel electrode and extending away from the first pixel electrode; a first intermediate layer disposed on the first pixel electrode and including an organic emission layer; an opposite electrode disposed on the first intermediate layer and the pixel defining layer and including a reflecting layer; and a first refractive layer disposed between the insulating layer and the pixel defining layer and having a refractivity greater than that of the insulating layer and the pixel defining layer. A first end of the first refractive layer is disposed to contact the first intermediate layer, and a second end of the refractive layer is disposed to face a portion of the opposite electrode.