I have used a star chisel and 4lb hammer to drill a hole. not recommended. The Bosch SDS with the Bosch bits will go through reinforcing with a little extra delay, I was using a very large one ( rental tool, I do not have a SDS drill that would do a 75mm hole through 400mm of concrete) and after about a half hour I heard a different note, and after the large plug fell out I found I had cut through a piece of 25mm rebar making the hole.
Not as bad as when I called "rent a hole" to do some 110mm holes for new drains, they broke 2 thin wall diamond cutters making the one hole. When I was getting a drain made Ivan the plumber dropped off Bongani, with a chisel and a 4lb hammer, and made an outline where he wanted the drain cover plate, and went off to the next job. I called Ivan about a half hour later and Bongani said " Hau Baas, faga lo jackhammer manje" ( boss, bring the big jackhammer now). He took 2 days with that to make the hole, as the concrete floor there was also cast 400mm thick over the sand, with reinforcing, mesh and sheet steel shuttering under it still. When we dug down to the sewer line we found out we didn't really need those 200 bricks either for the manhole, as we got over 400 used bricks out of the hole, along with the sand for the cement. When we were at the sewer level we also got sea water as the tide came in.