PhonePe SBI Card SELECT BLACK
Turn your wishlist into rewards with 10% Value Back on spends on PhonePe App
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.25% travel · 0.25% dining · 0.25% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Wellness Plus Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for PhonePe SBI Card SELECT BLACK holders
Frequently asked
Is the PhonePe SBI Card SELECT BLACK worth the ₹1,499 fee?
It depends on your spend. The PhonePe SBI Card SELECT BLACK earns 0.25% base reward and waives the annual fee at ₹3,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for PhonePe SBI Card SELECT BLACK?
SBI hasn't published a hard minimum income for PhonePe SBI Card SELECT BLACK. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.