SBI Card
PhonePe SELECT BLACK Credit Card
SimplifyCards take:A good fit if you want a card built for phonepe, online shopping, and UPI, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
10 Reward Points / ₹100 on eligible phonepe spends, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for phonepe, online shopping, and UPI, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access, accelerated rewards on eligible phonepe spends, and milestone rewards
Estimate your Cashback And Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback And Reward Points rates
| Category | Rate | Monthly cap |
|---|---|---|
| Eligible PhonePe Spends | 10 Reward Points / ₹100 | 2,000 Cashback And Reward Points |
| Eligible Online Spends | 5 Reward Points / ₹100 | 2,000 Cashback And Reward Points |
| Scan & Pay Using PhonePe | 1 Reward Point / ₹100 | 2,000 Cashback And Reward Points |
| Other Eligible Spends | 1 Reward Point / ₹100 | 2,000 Cashback And Reward Points |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Domestic lounge4 visits per year
- 4 complimentary domestic lounge visits every year, capped at 1 visit per quarter
2
MilestoneYatra e-Voucher worth ₹5,000 on annual spends of ₹5 lakh
3
Fee waiverRenewal fee waived on annual spends of ₹ 3 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- PhonePe e-Gift Card worth ₹1,500 after payment of annual fee, unless the card is issued under a first-year-free offer
Additional benefits
- 1% fuel surcharge waiver on eligible fuel spends
- Available on RuPay and Visa networks
Additional details
- Accelerated RPs on PhonePe spends (10 RP / 100) is applicable only on select categories - Recharges, Utilities, Bill Payments, Insurance and Travel
Eligibility
Check this before you apply
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Exclusions
Spending that does not earn cashback and reward points
- fuel
- wallet loading
- rent
- property management
- school and education services
- government services
- digital gaming
- cash advance
- merchant EMI
- cash withdrawal
- disputed transactions
- fees and charges
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