PhonePe SBI SELECT BLACK Credit Card
PhonePe SBI SELECT BLACK Credit Card from SBI Card is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 1,499 | Reward type: Reward Points | Best for: Shopping, Utility Bills, Insurance
Estimated value per Rs 100 of eligible spend.
PhonePe SBI SELECT BLACK Credit Card Overview
PhonePe SBI SELECT BLACK Credit Card is a SBI Card credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like utility bills, insurance, travel along with caps and exclusions.
Best For
PhonePe SBI SELECT BLACK Credit Card is most useful when your spends regularly fall into utility bills, insurance, travel.
Rewards
utility bills
10x the base reward rate.
Monthly cap: Rs 2,000
insurance
10x the base reward rate.
Monthly cap: Rs 2,000
travel
10x the base reward rate.
Monthly cap: Rs 2,000
online shopping
5x the base reward rate.
Monthly cap: Rs 2,000
UPI
1x the base reward rate.
Monthly cap: Rs 2,000
Not Good For
- Spends in excluded categories such as wallet reloads, fuel, rent, education.
- International transactions if you need low forex markup; this card lists 3.5% markup.
Welcome And Travel Benefits
Welcome: Includes welcome value up to Rs 1,500 and voucher-based benefits.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.5% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 3,00,000 in a yearly period for benefit value around Rs 1,499.
- Spend Rs 5,00,000 in a yearly period for benefit value around Rs 5,000.
Zlash Verdict
Choose this card when shopping, utility bills, insurance match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of PhonePe SBI SELECT BLACK Credit Card?
The listed annual fee is Rs 1,499.
What is PhonePe SBI SELECT BLACK Credit Card best used for?
PhonePe SBI SELECT BLACK Credit Card is most useful when your spends regularly fall into utility bills, insurance, travel.
Does PhonePe SBI SELECT BLACK Credit Card have reward exclusions?
Yes. The extracted exclusions include wallet reloads, fuel, rent, education.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.