PhonePe SBI Select Black Credit Card
SBI · Premium · Visa
Annual Fee
₹1,999
Fee Waiver
₹3L annual spend
Lounge Access
6/year
Best Rate
1.25%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1.25%
✈️Travel
1.25%
🛒Online Shopping
1.25%
🥦Groceries
1.25%
💡Utilities
1.25%
🎬Entertainment
1.25%
🛍️Shopping
1.25%
⛽Fuel
0%
How Points Work
5 pts/₹100 on select categories (~1.25%), 2 pts other (~0.5%) · PhonePe ecosystem benefits
🚀 Boosted Rates (Partners & SmartBuy)
PhonePeAccelerated rewards
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
1.25% on broad categories6 lounge visits/yrPhonePe integration
PROS
✅ Decent rate across categories
✅ Good lounge access
✅ PhonePe ecosystem
CONS
⚠️ ₹1,999 fee
⚠️ Rate not exceptional for the price
⚠️ Better alternatives available
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