Side-by-side · honest numbers
PhonePe SBI Card PURPLE vs SBI Card MILES
Honest side-by-side comparison of PhonePe SBI Card PURPLE, SBI Card MILES — 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.
PhonePe SBI Card PURPLE
SBI Card
SBI Card MILES
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 MILES 6521 8775 8721 3090 Valid thru 12/28 Acc CREDIT Card holder SBI CARD MILES Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI Card MILES Top reward: Accelerated travel points Annual fee: ₹1,499 Min income: ₹35,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI Card MILES 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 | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,441/yr | ₹1,020/yr |
| Online shopping | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo | — |
| Travel | — | ₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) |
| Utilities & bills | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo | — |
| Top reward rate | 3% | Accelerated travel points |
| Primary reward cap | ₹750 rewards/mo cap | No monthly cap published |
| 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 | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | ₹500 | ₹2,000 |
Stack mode (hold both)
Cap-aware split: ~₹4,470/yr combined NAV (₹1,029 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/phonepe-sbi-purple-vs-sbi-card-milesReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads SBI Card MILES by about ₹2,421/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
| Feature | PhonePe SBI Card PURPLE SBI Card | SBI Card MILES 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 | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,441/yr | ₹1,020/yr |
| Online shopping | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo | — |
| Travel | — | ₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr) |
| Utilities & bills | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo | — |
| Top reward rate | 3% | Accelerated travel points |
| Primary reward cap | ₹750 rewards/mo cap | No monthly cap published |
| 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 | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Fuel · Rent · Wallet · EMI |
| Bonuses | ||
| Signup bonus | ₹500 | ₹2,000 |
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 PURPLE leads with an estimated ₹3,441/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.
More PhonePe SBI Card PURPLE comparisons
- PhonePe SBI Card PURPLE vs 811 Dream Different Credit Card
- PhonePe SBI Card PURPLE vs AU Altura Credit Card
- PhonePe SBI Card PURPLE vs AU Zenith Credit Card
- PhonePe SBI Card PURPLE vs American Express Gold Card
- PhonePe SBI Card PURPLE vs American Express Platinum Travel Card
- PhonePe SBI Card PURPLE vs American Express SmartEarn Credit Card
- PhonePe SBI Card PURPLE vs Amex Membership Rewards CC
- PhonePe SBI Card PURPLE vs Axis Bank ACE Credit Card
- PhonePe SBI Card PURPLE vs Axis Bank Airtel Credit Card
- PhonePe SBI Card PURPLE vs Axis Bank Atlas Credit Card
- PhonePe SBI Card PURPLE vs Axis Bank Flipkart Credit Card
- PhonePe SBI Card PURPLE vs Axis Bank Magnus Credit Card