Side-by-side · honest numbers
PhonePe SBI Card SELECT BLACK vs SBI Card against Fixed Deposit
Honest side-by-side comparison of PhonePe SBI Card SELECT BLACK, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
PhonePe SBI Card SELECT BLACK
SBI Card
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | 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 | SBI Card against Fixed Deposit 6521 -46 5881 4361 Valid thru 12/28 Acc CREDIT Card holder SBI CARD AGAINST FIXED Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI Card against Fixed Deposit Top reward: 80% of FD value Annual fee: Lifetime Free Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹7,350/yr | ₹1,440/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| Utilities & bills | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 10% | 80% of FD value |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Not stated |
| Bonuses | ||
| Signup bonus | ₹1,500 | — |
Stack mode (hold both)
Cap-aware split: ~₹10,500/yr combined NAV (₹3,150 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/phonepe-sbi-select-black-vs-sbi-fd-securedReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads SBI Card against Fixed Deposit by about ₹5,910/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 SELECT BLACK SBI Card | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹7,350/yr | ₹1,440/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | — |
| Utilities & bills | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 10% | 80% of FD value |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Not stated |
| Bonuses | ||
| Signup bonus | ₹1,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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 SELECT BLACK lists a minimum monthly income of ₹25,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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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