SBI CARD · CHECKED 22 OCT 2026
PhonePe SBI Card SELECT BLACK
Short answer
PhonePe SBI Card SELECT BLACK earns its highest rewards on AJIO (5% as Reward Points), Amazon (5% as Reward Points) and Apollo 24|7 (5% as Reward Points). It has a joining fee of ₹1,499 and an annual fee of ₹1,499 and pays rewards as Reward Points. Fee waiver: renewal fee reversed on annual retail spends of ₹3 lakh in the previous year. Among the 50 cards Pickkard tracks, it is the top pick on IRCTC Rail Connect and ixigo.
Key facts
| Bank | SBI Card |
|---|---|
| Network | Visa, RuPay |
| Still issued? | Yes |
| Joining fee | ₹1,499 |
| Annual fee | ₹1,499 |
| Fee waiver | Renewal fee reversed on annual retail spends of ₹3 lakh in the previous year. |
| Rewards paid as | Reward Points |
| One point is worth | ₹1 |
| How the points are used | 1 Reward Point = ₹1 as statement credit or as gift vouchers on the SBI Card Rewards portal; points are valid for 2 years |
| Other ways to use the points | — |
| Checked on | 22 Oct 2026 |
Official page: SBI Card
Rewards in every app
| App | Reward | Min. order | Limit | Rank |
|---|---|---|---|---|
| AJIOFashion | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| AmazonOnline shopping | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| Apollo 24|7Pharmacy | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #4 of 50 |
| BigBasketGrocery | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #6 of 50 |
| BlinkitQuick commerce | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #8 of 50 |
| BookMyShowMovies and events | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #6 of 50 |
| CleartripTravel | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| DistrictMovies and events | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| Domino'sFood delivery | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| FlipkartOnline shopping | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #6 of 50 |
| GoibiboTravel | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| ixigoTravel | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #1 of 50 |
| JioMartGrocery | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #6 of 50 |
| MakeMyTripTravel | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| MeeshoOnline shopping | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| MyntraFashion | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #8 of 50 |
| NykaaBeauty | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #4 of 50 |
| PVR INOXMovies and events | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| Reliance DigitalElectronics | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #4 of 50 |
| SwiggyFood delivery | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #9 of 50 |
| Swiggy InstamartQuick commerce | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #6 of 50 |
| Tata CLiQFashion | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| Tata NeuOnline shopping | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #3 of 50 |
| UberCabs | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| ZeptoQuick commerce | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #5 of 50 |
| ZomatoFood delivery | 5% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #9 of 50 |
| IRCTC Rail ConnectTrain tickets | 3.82% as Reward Points | ₹100+ | Up to ₹1,000 per calendar month | #1 of 50 |
| Airtel ThanksBills and recharges | Earns nothing here | — | — | #43 of 50 |
Where other cards earn more
- Airtel Thanks:Airtel Axis earns 25% back, against earns nothing here on PhonePe SBI Black.
- AJIO:HSBC Live+ earns 10% back, against 5% as reward points on PhonePe SBI Black.
- BigBasket:HSBC Live+ earns 10% back, against 5% as reward points on PhonePe SBI Black.
- Blinkit:Airtel Axis earns 10% back, against 5% as reward points on PhonePe SBI Black.
- BookMyShow:Axis Neo earns 10% off, against 5% as reward points on PhonePe SBI Black.
- District:Airtel Axis earns 10% back, against 5% as reward points on PhonePe SBI Black.
Questions people ask
Where does PhonePe SBI Black earn the most?
PhonePe SBI Card SELECT BLACK earns its highest rewards on AJIO (5% as Reward Points), Amazon (5% as Reward Points) and Apollo 24|7 (5% as Reward Points).
What is the annual fee of PhonePe SBI Black, and can it be waived?
PhonePe SBI Black has a joining fee of ₹1,499 and an annual fee of ₹1,499. Renewal fee reversed on annual retail spends of ₹3 lakh in the previous year.
How much is one PhonePe SBI Black point worth?
About ₹1 each when used as the bank shows first: 1 Reward Point = ₹1 as statement credit or as gift vouchers on the SBI Card Rewards portal; points are valid for 2 years.
Is PhonePe SBI Black still available?
Yes, the bank still issues it to new customers.
Rewards are as per SBI Card’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to SBI Card. Check the official page before applying.