PhonePe SBI Credit Card Referral Code 2026 (SELECT BLACK vs PURPLE Comparison)
Apply for the PhonePe SBI Credit Card using a referral code to unlock exclusive benefits. Compare PhonePe SBI Card SELECT BLACK and PhonePe SBI Card PURPLE, including reward rates, annual fees, airport lounge access, milestone rewards, and welcome benefits before applying.
Verified Offer Details
How to sign up with PhonePe SBI Card referral code?
- 1
Click on the "Apply for PhonePe SBI Credit Card" button.
- 2
Choose between PhonePe SBI Card SELECT BLACK or PhonePe SBI Card PURPLE.
- 3
Complete the online application and KYC process.
- 4
Receive approval and activate your credit card.
- 5
Pay your first credit card bill to receive 100% joining fee as gift voucher(i.e ₹1500 for SELECT BLACK and ₹500 for PURPLE).
Key benefits of using PhonePe SBI Card
Earn 10% Reward Points on PhonePe Transactions
PhonePe SBI Card SELECT BLACK offers 10% reward points on eligible PhonePe transactions including bill payments, recharges, insurance purchases, hotel bookings, and flight bookings.
Up to 5% Rewards on Online Shopping
Earn up to 5% reward points on online spends across popular brands such as Amazon, Swiggy, Zomato, Uber, Myntra, Nykaa, Blinkit, Zepto, BookMyShow, and MakeMyTrip.
Reward Points Worth ₹1 Each
Every reward point earned on PhonePe SBI Cards is worth ₹1 and can be redeemed as statement credit or gift vouchers through the SBI Card Rewards Portal.
Rewards on Everyday Spending
Earn reward points on Scan & Pay transactions, Tap & Pay purchases, and other eligible spends, making the card useful for daily usage.
Domestic Airport Lounge Access
SELECT BLACK cardholders receive four complimentary domestic airport lounge visits every year, with one visit available per quarter.
International Lounge Benefits with Priority Pass
SELECT BLACK includes complimentary Priority Pass membership for two years, providing access to international airport lounges.
Travel Voucher Milestone Rewards
Receive travel vouchers worth up to ₹5,000 annually by reaching spending milestones on your PhonePe SBI Credit Card.
Get Back the Joining Fee Value
Receive a PhonePe gift voucher equal to the joining fee amount after making your first credit card bill payment.
PhonePe SBI Card SELECT BLACK vs PURPLE
| Feature | SELECT BLACK | PURPLE |
|---|---|---|
| Joining Fee | ₹1,499 | ₹499 |
| Welcome Voucher | ₹1,500 PhonePe Gift Voucher | ₹500 PhonePe Gift Voucher |
| Renewal Fee | ₹1,499 | ₹499 |
| Annual Fee Waiver | ₹3,00,000 annual spends | ₹1,00,000 annual spends |
| PhonePe Spends | 10% Reward Points | 3% Reward Points |
| Online Spends | 5% Reward Points | 2% Reward Points |
| Other Spends | 1% Reward Points | 1% Reward Points |
| Fuel Surcharge Waiver | 1% | 1% |
| Domestic Lounge Access | 4 visits per year | Not Available |
| Priority Pass Membership | Complimentary | Not Available |
| Travel Milestone Benefit | ₹5,000 Travel Voucher | ₹3,000 Travel Voucher |
| Reward Point Value | 1 RP = ₹1 | 1 RP = ₹1 |
Frequently Asked Questions
Tap to view answers
What is the difference between PhonePe SBI Card SELECT BLACK and PhonePe SBI Card PURPLE?
| Feature | SELECT BLACK | PURPLE |
|---|---|---|
| Joining Fee | ₹1,499 | ₹499 |
| PhonePe Spends | 10% | 3% |
| Online Spends | 5% | 2% |
| Other Spends | 1% | 1% |
| Domestic Lounge Access | 4 per year | Not Available |
| Priority Pass | Available | Not Available |
| Travel Voucher | ₹5,000 | ₹3,000 |
| Annual Fee Waiver | ₹3 Lakh | ₹1 Lakh |
How much are PhonePe SBI Card reward points worth?
Each reward point is worth ₹1 and can be redeemed as statement credit or gift vouchers through the SBI Card Rewards portal.
What welcome benefit do PhonePe SBI Cards offer?
| Card | Welcome Benefit |
|---|---|
| SELECT BLACK | ₹1,500 PhonePe Gift Voucher after first bill payment |
| PURPLE | ₹500 PhonePe Gift Voucher after first bill payment |
How can I get the annual fee waived on PhonePe SBI Credit Card?
| Card | Annual Spend Requirement |
|---|---|
| SELECT BLACK | ₹3,00,000 annual retail spends |
| PURPLE | ₹1,00,000 annual retail spends |
Does PhonePe SBI Credit Card provide airport lounge access?
PhonePe SBI Card SELECT BLACK provides four complimentary domestic airport lounge visits annually along with complimentary Priority Pass membership. The PURPLE card does not provide these benefits.
Does PhonePe SBI Credit Card support UPI payments?
Yes. Users can link the card where supported and earn reward points on eligible Scan & Pay and everyday transactions.
What is the value of 1 reward point on PhonePe SBI Credit Card?
One reward point equals ₹1 and can be redeemed through the SBI Card Rewards platform.
Which PhonePe SBI Credit Card is better?
SELECT BLACK is generally better for heavy PhonePe users, frequent travelers, and online shoppers due to its higher reward rates and lounge benefits. PURPLE is better suited for users looking for a lower annual fee and basic rewards.
Is there a fuel surcharge waiver on PhonePe SBI Credit Card?
Yes. Both SELECT BLACK and PURPLE cards offer a 1% fuel surcharge waiver as per applicable terms and conditions.
What milestone benefits are available on PhonePe SBI Credit Cards?
| Card | Milestone Benefit |
|---|---|
| SELECT BLACK | ₹5,000 travel voucher on annual spends of ₹5 lakh |
| PURPLE | ₹3,000 travel voucher on annual spends of ₹3 lakh |
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