PhonePe SBI Card PURPLE
Regular PhonePe users wanting a low-fee first rewards card.
Main trade-off
Rates are meaningfully lower than the SELECT BLACK variant: worth the upgrade once your PhonePe spend grows.
Direct comparison
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| Feature | SBI Card PhonePe SBI Card PURPLE | HDFC Bank HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | ₹499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 1% | 0.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Regular PhonePe users wanting a low-fee first rewards card. | Entry-level HDFC customers wanting a step above a lifetime-free card. |
| Main trade-off | Rates are meaningfully lower than the SELECT BLACK variant: worth the upgrade once your PhonePe spend grows. | The accelerated 2.5% only applies to selected merchants: check the current list before assuming your regular spend qualifies. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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