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Gold sheen · tilt · tap to flip back
SBI Card
PhonePe PURPLE
6521 1041 3255 9156
Valid thru
12/28
Acc
CREDIT
Card holder
PHONEPE SBI CARD PURPL
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Customer service
SBI Card · 1800-XXX-XXXX
Authorized signature
PhonePe SBI Card PURPLE
Top reward: 3%
Annual fee: ₹499
Min income: ₹25,000/mo
Property of SBI Card. If found, return to nearest branch. Not valid unless signed.
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Age 21–60 · From ₹25,000/mo income · Unsecured
UPI & RuPay·SBI Card
Budget PhonePe SBI card — 3% on app spends and 2% online. Jul 2026 monthly caps reduced on accelerated tiers.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 13 benefits →PhonePe app spends
3%
250 insurance + 750 other pts/mo (Jul 2026)
Online spends
2%
750 pts/mo (Jul 2026)
Other spends
1%
Scan & Pay on any UPI app at base rate
Redemption
₹1/point
Statement credit or gift vouchers
Signup bonus: ₹500 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: PhonePe SBI PURPLE T&Cs (revised Jul 2026)
Earn on UPI credit payments via RuPay-linked cards
RuPay variant — 3% on eligible PhonePe app spends; 1% on Scan & Pay via other UPI apps. Jul 2026 monthly caps apply.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: PhonePe SBI PURPLE T&Cs (revised Jul 2026)
PhonePe app spends
Was 1,000 combined
3%
Cap: 250 insurance + 750 other pts/mo (Jul 2026)
Example: ₹10,000/mo spend → ≈ ₹300/mo
Online spends
Down from 1,000 pts/mo
2%
Cap: 750 pts/mo (Jul 2026)
Example: ₹10,000/mo spend → ≈ ₹200/mo
Other spends
Scan & Pay on any UPI app at base rate
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
Redemption
Statement credit or gift vouchers
₹1/point
Milestone
At ₹3L annual retail spend
₹3,000 Yatra voucher
Fee waiver at
₹1,00,000 annual spend
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Waived on ₹1,00,000 annual spend
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹3,861/year. After the ₹499 annual fee, net value is approximately ₹3,441/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
Fuel, Wallet top-ups, Rent, EMI transactions, Cash advance, Tolls & bridges, Jewellery, School & college fees, Gift cards, Bill pay outside PhonePe app, UPI scans outside PhonePe app (no accelerated earn).
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.