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PhonePe SBI Card PURPLE
SBI • Visa

PhonePe SBI Card PURPLE

Earn up to 3 reward points/₹100 on PhonePe spends, 2 points/₹100 on other online spends, and 1 point/₹100 on eligible offline spends.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹499Waived on ₹1L annual spend
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,578Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

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₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1L annual spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

UPI
3.0%
Online
2.0%
Basedefault
1.0%

Key Takeaways

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

Pros & Insights

  • PhonePe SBI PURPLE is a co-brand ecosystem card and performs best when your payment behavior is heavily PhonePe-led.
  • Returns are strongest on defined PhonePe and online buckets, while general spend value remains moderate.
  • Fee-waiver economics are reasonable only when usage is consistent and category-fit is high.

Best Utilization

  • Route PhonePe-native spends first, and use a fallback card for excluded or weak-yield categories.
  • Track points accrual and conversion value month-wise to maintain real return visibility.
  • Compare periodically against broad cashback cards if your spends shift away from PhonePe rails.

Watchouts

  • Not all UPI and online spends are treated uniformly under acceleration logic.
  • Co-brand benefit mechanics can evolve with issuer-partner updates.
  • Ignoring exclusion categories can quickly reduce realized value.

Truth Data Snapshot

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

Expand

Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver threshold₹1,00,000
  • 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 count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports10
  • Approval reports6

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: OnlineHigher product tier within same bank+42 more lounge visits in current dataset
View Details
Step 2

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: Rewards, OnlineHigher top earn rate (7.5%)Estimated +₹3,348/yr value
View Details
Step 3

Flipkart SBI Card

Annual fee: ₹500

Shared focus: OnlineHigher top earn rate (5.0%)Estimated +₹3,348/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for PhonePe SBI Card PURPLE using your current year spend.

₹0 spent₹1 target

Policy signal used: Waived on ₹1L annual spend

Spend threshold

Waived on ₹1L annual spend

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

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

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

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Up to 3 RP per ₹100 on PhonePe app spends
  • 2 RP per ₹100 on other online spends and 1 RP per ₹100 on offline spends
  • Annual fee reversal at ₹1L annual spend
  • Co-branded offer ecosystem tied to PhonePe rails

Things to Consider

  • Reward exclusions apply across several everyday MCC categories
  • Reward acceleration is primarily PhonePe-led and may underperform for non-PhonePe usage
  • Annual fee needs either waiver or consistent accelerated usage to stay efficient

About PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE is a points card from SBI, best for phonepe-first users with regular app-led payments. It is tagged under online, upi, rewards categories in our database.

OnlineUPIRewards

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Frequently asked questions

Is PhonePe SBI Card PURPLE lifetime free?

It has an annual fee of ₹499. Waived on ₹1L annual spend

What rewards does PhonePe SBI Card PURPLE offer?

Earn up to 3 reward points/₹100 on PhonePe spends, 2 points/₹100 on other online spends, and 1 point/₹100 on eligible offline spends.

Does PhonePe SBI Card PURPLE include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider PhonePe SBI Card PURPLE?

PhonePe-First Users with Regular App-Led Payments

Where can I apply for PhonePe SBI Card PURPLE?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.