Which card has the lower annual fee?

PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.

Which card has the lower income requirement?

PhonePe SBI Card PURPLE lists a minimum monthly income of ₹25,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

PhonePe SBI Card PURPLE vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of PhonePe SBI Card PURPLE, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

PhonePe SBI Card PURPLE

SBI Card

Card 2

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature	SBI Card PhonePe PURPLE 6521 1041 3255 9156 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD PURPL Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• 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. Tap to flip back PhonePe SBI Card PURPLE SBI Card	SBI Card PhonePe SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,441/yr	₹7,350/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	3%	10%
Primary reward cap	₹750 rewards/mo cap	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	Fuel · Wallet top-ups · Rent · EMI · Cash advance	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹500	₹1,500

Stack mode (hold both)

Cap-aware split: ~₹10,080/yr combined NAV (₹2,730 vs best solo). Both annual fees apply.

PhonePe SBI Card PURPLE details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads PhonePe SBI Card PURPLE by about ₹3,909/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

PhonePe SBI Card PURPLE vs PhonePe SBI Card SELECT BLACK comparison table
Feature	PhonePe SBI Card PURPLE SBI Card	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹3,441/yr	₹7,350/yr
Online shopping	₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	3%	10%
Primary reward cap	₹750 rewards/mo cap	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	None	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Earns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spends	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	Fuel · Wallet top-ups · Rent · EMI · Cash advance	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹500	₹1,500

Frequently asked questions

Which card has the lower annual fee?: PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
Which card has the lower income requirement?: PhonePe SBI Card PURPLE lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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