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PhonePe SBI Card SELECT BLACK
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PhonePe SBI Card SELECT BLACK

PhonePe SBI Card SELECT BLACK is a paid credit card from SBI Card. It is mainly useful for Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery. This page explains its joining fee, annual fee, rewards and benefits, lounge access, useful platforms, pros, cons and who should consider this card.

Food Delivery Grocery Shopping
Card Details

PhonePe SBI Card SELECT BLACK details at a glance

Bank
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SBI Card
Annual Fee
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₹ 1499, Annual fee waiver on spending above ₹ 3 Lakh in a year.
Joining Fee
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₹ 1499
Joining Bonus
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₹ 1500 PhonePe Gift Card on payment of joining fee.
Best For
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Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery
Cashback & Rewards
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  • 10% Reward Points upto 2000 on PhonePe spends on Mobile Recharge; Bill payments (Broadband, Cable TV, DTH, Electicity, FASTag, LPG, Gas, NCMC, Postpaid, Subcription, Tax, Water, Insurance) and PhonePe In-App Travel Merchants (Flights, Bus, Trains, Hotel , Metro).
  • 5% Reward Points upto 2000 on all online spends like Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra , Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido & more.
  • 1% Reward Points upto 2000 on all other Spends including Scan & Pay (on all UPI apps), Tap & Pay and more.
  • 1% Fuel Surcharge Waiver, up to ₹ 250 per month, on fuel spends of ₹ 500 to ₹ 4,000.
Perks
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Get Yatra e-Voucher worth ₹ 5,000 on annual spends of ₹ 5 lakhs or more in a membership year.
Domestic Lounge Access
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4 complimentary domestic airport lounge visits per year, maximum 1 visit per quarter.
International Lounge Access
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Not Available
Useful Platforms
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Amazon, Flipkart, Swiggy, Zomato, Myntra, Nykaa, Zepto, Uber
Apply
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Pros and Cons of PhonePe SBI Card SELECT BLACK

A quick view of where this card works well and where it may not be the best fit.

Pros

✓ Useful for users who spend on Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery.
✓ Works well for platforms or categories like Amazon.
✓ Rewards and benefits are easy to compare from the card data.
✓ Complimentary lounge access is available as per current card data.

Cons

✗ Annual fee applies if value recovery or fee waiver is not achieved.
✗ Cashback/reward caps, exclusions and eligible merchants should be checked before applying.
✗ Not ideal if your spending is outside its main benefit categories.
✗ Final approval depends on bank policy, income, credit profile and documents.

Who Should Consider PhonePe SBI Card SELECT BLACK?

This card is not for everyone. It is more useful for users with specific spending patterns.

Good Fit For

✓ Users who spend regularly on Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery.
✓ Users who want card benefits aligned with their actual monthly spending.
✓ People who compare fees, rewards and benefit caps before applying.
✓ Users who can recover value from the card benefits.

May Not Be Ideal For

✗ Users whose main spending is outside this card’s benefit categories.
✗ Users looking mainly for unrelated premium travel, hotel or concierge benefits.
✗ Users who do not want to track reward caps, exclusions or terms.
✗ Users who want guaranteed approval without checking bank eligibility.

Not sure if PhonePe SBI Card SELECT BLACK is best for you?

Use CardBachat AI to compare PhonePe SBI Card SELECT BLACK with other cards based on your income, monthly spend, preferred platform and lounge preference.

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Frequently Asked Questions

Quick answers before you compare or apply.

Is PhonePe SBI Card SELECT BLACK worth it?

PhonePe SBI Card SELECT BLACK can be useful if your spending matches its main benefit categories such as Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery. Always compare it with other cards before applying.

What is the annual fee of PhonePe SBI Card SELECT BLACK?

As per the current CardBachat card database, the annual fee is ₹ 1499, Annual fee waiver on spending above ₹ 3 Lakh in a year.. Always verify the latest terms with the bank before applying.

Does PhonePe SBI Card SELECT BLACK offer lounge access?

As per the current CardBachat data, lounge access details are shown above if available. Benefits can change, so verify the latest terms directly with the bank.

Who should apply for PhonePe SBI Card SELECT BLACK?

Users who frequently spend on Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery may consider this card. Users with different spending patterns should compare alternatives on CardBachat first.

Disclaimer: CardBachat provides educational credit card comparison assistance only. It does not guarantee approval, cashback, rewards, lounge access, or financial benefit. Final approval depends on bank eligibility, credit score, documents, income, bank relationship, and internal policies. We may earn a commission if you apply through affiliate links, at no extra cost to you. Read the full Disclaimer.