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PhonePe SBI Card SELECT BLACK
SBI • Visa

PhonePe SBI Card SELECT BLACK

PhonePe SBI Card SELECT BLACK offers up to 10% back on PhonePe, 5% back on online and 1% back on other spends, with lounge access and bonus Yatra voucher.

Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge Access4231 domestic • 11 intl
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

Fee waiver & value estimator

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

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Insights

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

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Insights

  • PhonePe SBI Card SELECT BLACK should be treated as a fintech-premium co-brand card blending app-led convenience with lifestyle-travel support features.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Lifetime Free, Travel, Online.
  • Current mapping shows 42 lounge entries, so travel utility can materially improve real-world value when eligibility conditions are met.

Best Utilization

  • Use for PhonePe ecosystem and selected travel/online lanes while tracking if the premium positioning translates to real net value.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • As a lifetime-free card, it works best as a focused specialist in a multi-card portfolio.

Watchouts

  • Premium co-brand economics can weaken if ecosystem-linked benefits are not actively utilized.
  • Lounge access can be subject to spend/quarter conditions; verify current issuer terms before relying on access.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

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

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Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count31
  • International count11
  • Quarterly limitNot listed
  • Airport-terminal rows42
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports28
  • Approval reports17

Upgrade Path

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

Step 1

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: OnlineHigher top earn rate (7.5%)Estimated +₹2,400/yr value
View Details
Step 2

Flipkart SBI Card

Annual fee: ₹500

Shared focus: OnlineHigher top earn rate (5.0%)Estimated +₹2,400/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for PhonePe SBI Card SELECT BLACK 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

Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.

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

42 airport lounge rows
View lounge map and location list42 rows
Loading interactive lounge map...

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

Ahmedabad

3 lounges • 2 domestic • 1 international

3
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Amritsar

4 lounges • 2 domestic • 2 international

4
Costa CoffeeDomestic

AMR • Amritsar Airport • NA

Costa CoffeeInternational

AMR • Amritsar Airport • NA

Primus LoungeDomestic

AMR • Amritsar Airport • NA

The Airr LoungeInternational

AMR • Amritsar Airport • International Terminal

Bengaluru

1 lounges • 1 domestic • 0 international

1
Lounge - West PHDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Dehra Dun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • NA

Carnations LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Mohanbari Dibrugarh Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • NA

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 1

Jammu

1 lounges • 1 domestic • 0 international

1
Airport Jammu Executive LoungeDomestic

JAM • Jammu Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOC • Kochi Airport • Terminal 1

Travel ClubInternational

KOC • Kochi Airport • Terminal 3

Kolkata

1 lounges • 0 domestic • 1 international

1
AnnexInternational

KOL • Kolkata Airport • Terminal 1

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Mumbai

4 lounges • 4 domestic • 0 international

4
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 1C

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 2

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • NA

The Airr LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Patna

1 lounges • 1 domestic • 0 international

1
m Airport Vishakhapatnam The Airr LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Prayagraj

1 lounges • 1 domestic • 0 international

1
Airport Allahabad / PrayagrajDomestic

PRA • Prayagraj Airport • Domestic Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Birsa Munda Ranchi The Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Terminal 1

Thiruvananthapuram

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

THI • Thiruvananthapuram Airport • Terminal 1

The LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Airport Vadodara Premium LoungeDomestic

VAD • Vadodara Airport • NA

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

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About PhonePe SBI Card SELECT BLACK

PhonePe SBI Card SELECT BLACK is a cashback card from SBI, best for travel & lounge access. It is tagged under lifetime free, travel, online categories in our database.

Lifetime FreeTravelOnline

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Frequently asked questions

Is PhonePe SBI Card SELECT BLACK lifetime free?

PhonePe SBI Card SELECT BLACK is lifetime free with no annual fee.

What rewards does PhonePe SBI Card SELECT BLACK offer?

PhonePe SBI Card SELECT BLACK offers up to 10% back on PhonePe, 5% back on online and 1% back on other spends, with lounge access and bonus Yatra voucher.

Does PhonePe SBI Card SELECT BLACK include lounge access?

PhonePe SBI Card SELECT BLACK lists 42 lounge visits (31 domestic, 11 international).

Who should consider PhonePe SBI Card SELECT BLACK?

Travel & lounge access

Where can I apply for PhonePe SBI Card SELECT BLACK?

Check the issuer website for application availability.