PhonePe SBI Card Purple Review 2025 – Benefits, Rewards, Fees, and How to Apply
- Anusha Madda
- 12 minutes ago
- 6 min read
The brand new PhonePe SBI Card Purple could easily be the new card you use daily to make all digital purchases and enjoy cashbacks and rewards as a frequent user of PhonePe.
PhonePe has also partnered with SBI Card to launch two co-branded credit cards (PhonePe SBI Card Purple and PhonePe SBI Card Select Black), which will reward their users who electronically transact with the PhonePe application and other online providers through phone payments.
This blog will present you review of the PhonePe SBI Card Purple, its features, benefits, eligibility, charges, and frequently asked questions so that you can make up your mind whether it should be acquired before 2025 or not.
What Is PhonePe SBI Card Purple?
PhonePe SBI card Purple is the co-branded credit card between SBI card and PhonePe, oriented towards rewarding daily digital transactions.
It is a low-end and entry-level credit card with excellent cashback and reward points on recharges, bill payments, and online purchases, particularly when using the PhonePe app.
This is in contrast to traditional premium cards that are centered on travel benefits or lifestyle benefits. The new card will be tailored to digital India users seeking easy rewards, but who do not want to pay a high annual fee.
Key Features of PhonePe SBI Card Purple
Feature | Details |
Annual Fee | Rs499 + GST (first year) |
Renewal Fee | Rs499 + GST (waived off if you spend Rs 1,00,000 annually) |
Welcome Benefit | Rs500 PhonePe Gift Voucher (on payment of joining fee) |
Rewards on PhonePe App | 3% value-back on PhonePe spends (bill payments, recharges, Pincode orders, etc.) |
Rewards on Online Shopping | 2 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra, Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands. Special Cashback Rate: 2%. |
Other Transactions | 1% base reward on all other spends |
Milestone Benefit | Yatra voucher worth ₹3,000 on spending ₹3,00,000 in a year |
Fuel Surcharge Waiver | 1% waiver on ₹500–₹3,000 transactions (max ₹100 per statement cycle) |
Network Type | Visa and RuPay (RuPay variant supports UPI payments) |
Add-on Cards | Up to 3 add-on cards for family members |
EMI Option | Flexipay – Convert spends of ₹2,500+ into easy EMIs |
Security | Contactless card with chip & PIN protection |
Welcome & Renewal Benefits
Joining also comes with an immediate Rs 500 PhonePe voucher, which benefits the card as a virtual zero-cost first-year card.
You can even have your renewal fee waived annually by spending Rs 1 lakh or above, which is completely attainable by most ordinary users.
Then, in case you pay your monthly bills, recharges, and do shopping online, you can easily ensure that it is a lifetime free card.
Reward Structure – How You Earn & Save
PhonePe SBI card Purple rewards program is easy and uncomplicated:
Value of 1 reward point = INR 1.
3 Reward points on Phonpe spends and Pincode (hyperlocal delivery app) spends, such as Recharges, Bill Payments, Insurance, Flights, Hotels, Pincode (a hyperlocal delivery app) & more.
PhonePe Pincode Cashback Rate: 3%.
2 reward points on spend of INR 100 on Swiggy, Zomato, Uber, Myntra, Nykaa, BookMyShow, MakeMyTrip, Blinkit, District, Zepto, Rapido + 1000 brands.
Special Cashback Rate: 2%.
1 reward point on all other spends.
General Cashback Rate: 1%
Each time you pay bills, book a travel, or shop on PhonePe, you will receive reward points that can be redeemed later either in the form of a gift voucher, cashback, or even better on PhonePe and SBI card platforms.
Pro Tip: Use your Ruay version of the PhonePe SBI Card Purple with UPI apps to pay using credit, rewarding even when you use it to make small daily purchases.
To know more about this card and the unbiased AI score of the card, click here
PhonePe SBI Card Purple – Who Should Get It?
This card is best for:
Frequent users of the PhonePe app who carry out the majority of payments using the app.
Individuals with a preference towards low yearly charges and online-oriented advantages.
Users who spend a lot of their time online, as opposed to offline.
A person interested in an easy-to-maintain, reward-rich credit card without premium maintenance.
You might skip this card if:
You are a regular flyer (no lounge or travel rewards).
You already have a cash back card with superior flat rates.
You are a digital offline shopper and rarely carry digital wallets.
To sum up, the PhonePe SBI Card Purple would be a perfect choice among city residents, students, and professionals who do not want to spend money in cash but online.
How to Apply for PhonePe SBI Card Purple
Applying for the PhonePe SBI Card Purple is easy and fully digital.
Steps to Apply:
Open the PhonePe App → Tap on the “Credit” section.
Select PhonePe SBI Card Purple from the list.
Fill in your basic details and verify with PAN + Aadhaar.
Complete KYC (e-KYC or video KYC).
Once approved, you’ll receive a virtual card instantly.
The physical card will be delivered to your address within a few days.
Alternatively, you can also apply directly through SBI Card’s official website
Tips to Maximize Your Rewards
Making the most of your PhonePe SBI Card Purple means using it in the following smart spending ways:
Pay all the Possible with PhonePe - mobile recharge, DTH, bill payments, and insurance.
Shop using Partner Merchants in the category of 2% reward.
Spend your money to cross Rs1,00,000/year and have a waiver of the renewal fee.
Watch reward caps - be generous with rewards up to the maximum.
Redemption of points regularly on PhonePe or the SBI Card portal in the form of vouchers or cashback.
Limitations & Things to Consider
Although PhonePe SBI Card Purple is a good rewards card, you need to remember the following points:
Reward points have limits on a monthly basis; hence, very active shoppers might reach limits.
Rewards are predominantly online; offline shopping has only 1%.
None of the international lounges or travel benefits.
An annual fee will be charged on the annual expenditure amounting to less than Rs 1 lakh.
Regardless of such insignificant trade-offs, the ROI of the card when used by digital spenders is great, particularly when you use PhonePe regularly.
PhonePe SBI Card Purple Benefits Summary
Rewards 3 % on transactions on PhonePe.
Low annual fee of Rs 499
Welcome benefit worth Rs 500
Free waiver on the easy fee of Rs 1 lakh annual expenditure.
Yatra travel voucher on milestone expenditures.
RuPay UPI compatibility, Contactless, secure payments.
Why It’s One of the Best SBI Co-Branded Credit Cards in 2025
SBI Card has an excellent history of introducing potent co-branded cards (such as Air India SBI Card, IRCTC SBI Card, and OLA Money SBI Card). In the case of PhonePe SBI Card Purple, it is targeting the new generation digital-first users who make most of their transactions online.
In case you prefer a cheap, straightforward, and easy-to-carry card that is directly connected with your favorite UPI application, then this is a winner.
Conclusion
The PhonePe SBI Card Purple is a high utility credit card that is affordable and useful if you live a lifestyle based on UPI payments, online purchases, and mobile recharges.
This card has a welcome benefit, huge cashback offers, and the prospect of making it a lifetime free and, all this with a joining fee that is compensated, and a future Indian spender would find this card to be ideal.
It does not enjoy the best of travel benefits, but it has a good rating on useful, daily savings, which makes it one of the best SBI co-branded credit cards in 2025.
FAQs
What is the joining fee for PhonePe SBI Card Purple?
The joining fee is Rs499 + GST, which you get back as a Rs500 PhonePe gift voucher.
How can I apply for the PhonePe SBI Card Purple?
You can apply directly through the PhonePe app, the SBI Card website, or via MyRupaya’s credit card section. The process is 100% online.
Does PhonePe SBI Card Purple support UPI payments?
Yes. The RuPay variant of the card supports UPI tokenization, allowing you to use your credit card for UPI payments through PhonePe.
How much reward can I earn on PhonePe transactions?
You earn 3% reward points on eligible PhonePe transactions such as recharges, bill payments, and Pincode purchases.
Can I get lounge access with this card?
No, lounge access is available only with the PhonePe SBI Card Select Black, not the Purple variant.
How can I redeem my reward points?
You can redeem them on the SBI Card portal or through the PhonePe app for cashback, gift vouchers, or discounts.
Is the PhonePe SBI Card Purple worth it in 2025?
Absolutely! If you’re a regular PhonePe user, spend mainly online, and want a low-cost, high-reward card, the Purple variant delivers strong value.