Add more cards → Shortlist 2–4 cards

PhonePe SBI SELECT BLACK vs SBI PULSE – Full comparison

Both cards verified with issuer

PhonePe SBI SELECT BLACK source SBI PULSE source

Forex costs are a key difference

Spend context

At ₹50k/month spend:

  • SBI PULSE: ~₹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 PULSE SBI
Lounge Access
Domestic lounge visits
No difference
 16/year 16/year
Forex / International Use
Forex markup
PhonePe SBI SELECT BLACK unclear; SBI PULSE shows 1.99% (verify).
 Not clearly specified 1.99%
Fees
Annual fee
No difference
 ₹1,499 ₹1,499
Joining fee
₹500 vs ₹1,499
 ₹500 ₹1,499
Fee waiver spend
Only available for SBI PULSE
 Not clearly specified ₹2,00,000
Rewards
Points per ₹100
Only available for SBI PULSE
 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.