Side-by-side · honest numbers
PhonePe SBI Card PURPLE vs SBI Card ELITE
Honest side-by-side comparison of PhonePe SBI Card PURPLE, SBI Card ELITE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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PhonePe SBI Card PURPLE
SBI Card
SBI Card ELITE
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 ELITE 6521 5664 8333 1916 Valid thru 12/28 Acc CREDIT Card holder SBI CARD ELITE Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI Card ELITE Top reward: 5X reward points Annual fee: ₹4,999 Min income: ₹60,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹4,999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,441/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Utilities & bills | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo | — |
| Top reward rate | 3% | 5X reward points |
| Primary reward cap | ₹750 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international 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 · Government |
| Bonuses | ||
| Signup bonus | ₹500 | ₹5,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/phonepe-sbi-purple-vs-sbi-eliteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads SBI Card ELITE by about ₹7,259/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 ELITE SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹4,999 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹10,00,000/yr |
| Min income | ₹25,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹3,441/yr | -₹3,818/yr |
| Online shopping | ₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo | — |
| Groceries (offline) | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Utilities & bills | ₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo | — |
| Top reward rate | 3% | 5X reward points |
| Primary reward cap | ₹750 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 6 domestic + 2 international 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 · Government |
| Bonuses | ||
| Signup bonus | ₹500 | ₹5,000 |
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.
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