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PhonePe SBI SELECT BLACK vs SBI Prime – Full comparison

Both cards verified with issuer

PhonePe SBI SELECT BLACK source SBI Prime source

Forex 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:

  • SBI Prime: ~₹250/month at base rate
  • PhonePe SBI SELECT BLACK: Base earn not clearly specified

Approximate, based on base rates (before caps).

PhonePe SBI SELECT BLACK SBI SBI Prime SBI
Lounge Access
Domestic lounge visits
16/year vs 2/quarter
 16/year 2/quarter
International lounge visits
Only available for SBI Prime
 Varies by variant 4/year
Forex / International Use
Forex markup
PhonePe SBI SELECT BLACK unclear; SBI Prime shows 3.5% (verify).
 Not clearly specified 3.5%
Fees
Annual fee
₹1,499 vs ₹2,999
 ₹1,499 ₹2,999
Joining fee
₹500 vs ₹2,999
 ₹500 ₹2,999
Fee waiver spend
Only available for SBI Prime
 Not clearly specified ₹3,00,000
Rewards
Points per ₹100
Only available for SBI Prime
 Check issuer 2 pts
Point cash value
₹1 vs ₹0.25
 ₹1 ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.