What is the annual fee for the SBI PhonePe SELECT BLACK?

The annual fee for the SBI PhonePe SELECT BLACK is ₹1,499. It can be waived on annual spends of ₹3,00,000.

Does the SBI PhonePe SELECT BLACK offer airport lounge access?

Yes — the SBI PhonePe SELECT BLACK offers 4 domestic per year lounge visits.

What rewards does the SBI PhonePe SELECT BLACK earn?

It earns 1% on eligible spends as Reward Points.

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

PhonePe SELECT BLACK — SBI Credit Card | Card Manager

Back to Catalog

Catalog reference — not in your portfolio

All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.

SBI

mid

•••• •••• •••• 0000

PhonePe SELECT BLACK

RuPay

PhonePe SELECT BLACK

SBI • RuPay• Mid

catalog

Annual Fee

₹1,499

Base Reward Rate

1.00%

Foreign Tx Fee

3.5%

Tier

Mid

Joining Fee

₹1,499

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

4 per yearmedium

✓ No activation spend required — access is unconditional.

1/qtr, no spend req.

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹200

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹50

Online Shopping₹8,000/mo

+₹400

Utilities₹3,000/mo

+₹30

Annual earnings

₹9,720

Blended 1.56% effective return

Monthly spend₹52,000

Monthly earnings+₹810

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

₹1,500 PhonePe voucher welcome. 10% PhonePe (cap 2K/mo). 5% Amazon/Flipkart/Swiggy.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25 depending on redemption (cashback → flights/transfer).
1% base reward rate on all eligible spends
1.00%medium
Preferred Partners: 10% — PhonePe bills/recharges/travel.
10.0% · cap 2,000/momedium

Online: 5%

5.0% · cap 2,000/momedium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

domestic via direct: 4 per year — no spend needed
4/yearmedium

Payments

Joining fee: ₹1,499. Annual: ₹1,499.
₹1,499
Annual fee waived on spending ₹3,00,000 per year.
Spend ₹3,00,000
Milestone: spend ₹5,00,000/year → Yatra Voucher Worth ₹5,000 (valid for booking domestic/international flights, domestic hotels and holidays on Yatra)
+₹5,000 valuehigh