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
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | SBI Card PhonePe SBI Card PURPLE | SBI Card PhonePe SBI Card SELECT BLACK |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹499 + GST per year | ₹1,499 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 1% | 1% |
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 | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Regular PhonePe users wanting a low-fee first rewards card. | Heavy PhonePe users who also want lounge access and a mid-tier fee. |
| Main trade-off | Rates are meaningfully lower than the SELECT BLACK variant: worth the upgrade once your PhonePe spend grows. | PhonePe, online and other-spend rewards have separate monthly caps. From 1 July 2026, UPI transactions outside PhonePe earn no reward points, and Priority Pass visits are chargeable. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.