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Paytm SBI Visa Credit Card Select
SBI • Visa

Paytm SBI Visa Credit Card Select

Digital-commerce co-branded SBI card with Paytm ecosystem boosts and travel/lounge support.

Annual Fee₹1499Waived on issuer-defined spend milestones
Base Reward0.8%On all spends
Lounge Access1610 domestic • 6 intl
Est. Annual Savings₹-218Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,880

Assumes base reward rate only.

Annual fee₹1,499

Waived on issuer-defined spend milestones

Net value₹1,381

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
2.5%
Shopping
2.0%
Basedefault
0.8%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Paytm SBI Visa Credit Card Select is best positioned as a online + shopping specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.5% on online-aligned lanes, while broad base return remains closer to 0.8%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to online and shopping spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count10
  • International count6
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports19
  • Approval reports11

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel, Online+26 more lounge visits in current datasetEstimated +₹2,725/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, RewardsHigher product tier within same bank+14 more lounge visits in current dataset
View Details
Step 3

Air India SBI Platinum Credit Card

Annual fee: ₹1499

Shared focus: Travel, RewardsHigher product tier within same bankHigher top earn rate (3.0%)
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Paytm SBI Visa Credit Card Select using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on issuer-defined spend milestones

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

Bengaluru

2 lounges • 1 domestic • 1 international

2
080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Useful for users transacting heavily on digital channels
  • Co-branded offer stack plus SBI card acceptance
  • Lounge-supporting footprint in source mapping

Things to Consider

  • High value is tied to partner ecosystem usage
  • General spending rewards are moderate
  • Offer and cap rules can change frequently

About Paytm SBI Visa Credit Card Select

Paytm SBI Visa Credit Card Select is a points card from SBI, best for digital-first users who want co-brand rewards plus lounge coverage. It is tagged under online, shopping, rewards, travel categories in our database.

OnlineShoppingRewardsTravel

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Frequently asked questions

Is Paytm SBI Visa Credit Card Select lifetime free?

It has an annual fee of ₹1499. Waived on issuer-defined spend milestones

What rewards does Paytm SBI Visa Credit Card Select offer?

Digital-commerce co-branded SBI card with Paytm ecosystem boosts and travel/lounge support.

Does Paytm SBI Visa Credit Card Select include lounge access?

Paytm SBI Visa Credit Card Select lists 16 lounge visits (10 domestic, 6 international).

Who should consider Paytm SBI Visa Credit Card Select?

Digital-first users who want co-brand rewards plus lounge coverage

Where can I apply for Paytm SBI Visa Credit Card Select?

Check the issuer website for application availability.