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SBI ELITE vs PhonePe SBI SELECT BLACK – Full comparison
Both cards verified with issuer
SBI ELITE source PhonePe SBI SELECT BLACK sourceForex costs are a key difference
Key differences
Lowest fee PhonePe SBI SELECT BLACK ₹1,499
Best lounge PhonePe SBI SELECT BLACK 16/year lounge
Spend context
At ₹50k/month spend:
- PhonePe SBI SELECT BLACK: Base earn not clearly specified
- SBI ELITE: Base earn not clearly specified
Approximate, based on base rates (before caps).
| SBI ELITE SBI | PhonePe SBI SELECT BLACK SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 6/year vs 16/year | 6/year | 16/year |
| Forex / International Use | ||
| Forex markup PhonePe SBI SELECT BLACK unclear; SBI ELITE shows 1.99% (verify). | 1.99% | Not clearly specified |
| Fees | ||
| Annual fee ₹4,999 vs ₹1,499 | ₹4,999 | ₹1,499 |
| Joining fee ₹4,999 vs ₹500 | ₹4,999 | ₹500 |
| Fee waiver spend Only available for SBI ELITE | ₹6,00,000 | Not clearly specified |
| Rewards | ||
| Points per ₹100 Only available for SBI ELITE | 2 pts | Check issuer |
| Point cash value Only available for PhonePe SBI SELECT BLACK | Check issuer | ₹1 |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
- SBI ELITE vs SBI Prime SBI vs SBI
- SBI ELITE vs BPCL SBI Card Octane SBI vs SBI
- SBI ELITE vs SBI PULSE SBI vs SBI
- PhonePe SBI SELECT BLACK vs BPCL SBI Card Octane SBI vs SBI
- PhonePe SBI SELECT BLACK vs SBI PULSE SBI vs SBI
- PhonePe SBI SELECT BLACK vs Cashback SBI Card SBI vs SBI
Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.