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.
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| Feature | SBI Card PhonePe SBI Card SELECT BLACK | SBI Card PhonePe SBI Card PURPLE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹1,499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | At ₹1,00,000 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 | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Heavy PhonePe users who also want lounge access and a mid-tier fee. | Regular PhonePe users wanting a low-fee first rewards card. |
| Main trade-off | 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. | Rates are meaningfully lower than the SELECT BLACK variant: worth the upgrade once your PhonePe spend grows. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
