Skip to content
OnePaisa — Smart Finance for India
Credit Cards
PremiumMidVisa✦ PhonePe

PhonePe SBI Card SELECT BLACK

Premium rewards synced with your PhonePe wallet

Annual fee₹1,499Waived on ₹3.0L spend
Rewards1 Reward Point per Rs. 100 on other spends
Forex markup3.5%3.5% on all foreign currency transactions
View OfferTalk to OnePaisa
Secure · Free · No spam calls

Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹1,500

PhonePe e-Gift Card worth ₹1,500

Type
Voucher
Partner
PhonePe

Rewards

Base earn rate

1 Reward Point per ₹100 on other spends

Redemption options

Vouchers:₹1 per pointCash:₹1 per point
  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Milestone benefits

  • Yatra e-Voucher worth Rs. 5,000 on spends of ₹5,00,000

Lounge access

Domestic

4visits / year

  • Max 1 per quarter
Priority Pass lounge programme →

International

Priority Pass

—complimentary visits

  • Membership value USD 99
Priority Pass lounge programme →

Fees & charges

Joining fee
₹1499
Annual / renewal fee
₹1,499 + taxes
Annual fee waiver
Annual Fee reversal on spends of ₹3 lakh or more in previous membership year
Add-on card fee
Nil
Interest rate
Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period
50 days
Cash advance fee
2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee
2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour
In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup
3.5% on all foreign currency transactions
DCC markup
3.50%
Reward redemption
₹99 per redemption
Fuel surcharge
1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Features

✓ Contactless✓ International usage

Additional features

  • Easy Bill Pay Facility - Pay your electricity, telephone, mobile and other utility bills
  • Flexipay - Convert eligible purchases into easy monthly EMIs

🎯 Not sure this card is right for you?

Try our Card Finder — get personalized picks in 30 seconds.

Find My Card →

Explore related credit cards

All State Bank of India cards →Best Lounge Access Cards →Best Travel Cards →Best Premium Cards →

Similar Credit Cards

Browse all credit cards →
VISA
SState Bank of India

BPCL SBI Card Octane

Joining₹1.5K
Annual₹1.5K/yr
Reward0.25%Assumes Shop n Smile / BPCL fuel redemption (4 RP = Rs.1)
Credit
  • 13X reward points on BPCL fuel spends
  • 2X reward points on dining, movies & grocery
  • 1X reward point per ₹100 on other spends
Apply Now

🔒 Secure & Free

VISA
SState Bank of India

IRCTC SBI Card Premier

Joining₹1.5K
Annual₹1.5K/yr
Reward0.80%Assumes 1 Reward Point = INR 1 per issuer T&C, stated as the statement-debit adjustment conversion value (“1 Reward point = INR 1”); IRCTC SBI Card Premier points are transferred monthly to the IRCTC loyalty account for redemption toward railway/complimentary tickets.
Apply Now

🔒 Secure & Free

VISA
SState Bank of India

OLA Money SBI Card

JoiningFREE
AnnualFREE
Reward1% Reward Points on all other spends
No longer offered

State Bank of India is no longer accepting applications for this card.

📖 Guides about this card

🔧 Useful tools