PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE is a co-branded credit card built for frequent digital spenders. Earn 3% rewards on PhonePe transactions and 2% rewards on select online purchases. With a modest joining fee and a PhonePe gift card as a welcome benefit, it suits users seeking simple rewards on everyday online spending.

PhonePe SBI Card PURPLE

About PhonePe SBI Card PURPLE

PhonePe SBI Card PURPLE is the entry-level offering in the co-branded credit card range launched by SBI Card in partnership with PhonePe. It provides enhanced value-back on eligible PhonePe transactions such as mobile recharges, utility payments, insurance premiums, travel bookings, and orders placed via PhonePe PINCODE. In addition, cardholders earn bonus rewards on selected online purchases.

Unlike some entry-level co-branded cards, this card also offers standard rewards on other online and offline transactions, which helps improve overall reward accumulation. The reward points earned can be redeemed for cashback or vouchers at a straightforward conversion rate, making redemptions simple and transparent.

Issued on the RuPay network, the card supports UPI payments and allows users to earn rewards on UPI-linked spends across supported apps. To offset the joining fee, SBI Card offers a PhonePe gift voucher at the time of issuance. Cardholders can also unlock a travel-related milestone benefit, adding extra value for those who frequently book trips.

Overall, when compared with similar co-branded entry-level cards, PhonePe SBI Card PURPLE delivers stronger rewards, broader spend coverage including offline purchases, and upfront welcome benefits at a comparable fee. It is well suited for users who want to maximise savings through regular PhonePe and everyday card usage.

Note: This credit card is not available on Paisabazaar. The information shared here is for reference only. To apply or show interest, please visit the official SBI Card website.

Rewards Structure

  • Higher Rewards on PhonePe Spends: Earn enhanced reward points for every ₹100 spent on PhonePe transactions such as recharges, utility and bill payments, insurance premiums, travel bookings, and PhonePe PINCODE orders. Monthly earning limits apply.

  • Bonus Rewards on Online Purchases: Get additional reward points on qualifying online transactions, subject to a defined monthly cap.

  • Base Rewards on Other Spends: Collect standard reward points on all remaining categories, including offline and in-store purchases, within the applicable monthly limit.

  • Utilities & Insurance Outside PhonePe: Earn base reward points on utility and insurance payments made outside the PhonePe platform, with a lower monthly ceiling.

  • UPI Scan & Pay Benefits: Receive reward points on all Scan & Pay transactions linked to the card.

  • Reward Redemption: Accumulated points can be redeemed for cashback or vouchers at a simple conversion rate, where each point equals ₹1.

Key Features & Perks

  • Joining Reward
    Get a PhonePe gift voucher worth Rs. 500 after paying the card’s joining fee.

  • Spending Milestone Reward
    Receive a Yatra voucher valued at Rs. 3,000 on spending Rs. 3 lakh within a year.

  • Annual Fee Waiver
    Annual fee can be waived on total yearly spends of Rs. 1 lakh or more.

  • Fuel Benefit
    Enjoy a 1% waiver on fuel surcharge for fuel purchases between Rs. 500 and Rs. 3,000, up to Rs. 100 per month.

PhonePe SBI Card PURPLE Reward Points & Cashback Calculator

Reward Points Calculator

PhonePe SBI Card PURPLE: Fees & Charges

Particulars Amount
Joining Fee Rs. 499 + Applicable Taxes
Annual Fee Rs. 499 + Applicable Taxes
Finance Charges 3.75% p.m. | 45% p.a.
Late Payment Charges
On outstanding balance of:
Up to Rs. 500 Nil
More than Rs. 500 up to Rs. 1,000 Rs. 400
More than Rs. 1,000 up to Rs. 10,000 Rs. 750
More than Rs. 10,000 up to Rs. 25,000 Rs. 950
More than Rs. 25,000 up to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Important Considerations Before Applying

Who Should Consider This Card

  • You often use PhonePe for recharges, bill payments, and travel-related expenses.

  • You want a card with a low annual fee that gives rewards on UPI transactions.

  • You frequently shop online and are looking for a card that provides good value-back on digital spending.

  • You are likely to spend around Rs. 3 lakh annually to take full advantage of milestone rewards.

Steps to Close PhonePe SBI Card PURPLE

If you want to close your PhonePe SBI Card PURPLE, you can follow the official closure methods provided by SBI Card. These offline options are useful if you prefer direct assistance or are unable to submit a request online.

Visit Nearest SBI Branch

  • Visit your nearest SBI branch with valid identity proof and your credit card details
  • Request the credit card closure form from the bank representative
  • Fill in all the required details carefully
  • Submit the completed form for verification and further processing

Contact Customer Care

Process details

  • Ask the customer care executive to initiate your credit card closure request
  • Provide the last four digits of your card along with your registered mobile number
  • Complete the verification steps as guided by the representative

Send a Written Request

You can also submit a formal request by post including the following details

  • Cardholder’s full name
  • Registered address
  • Contact number
  • Last four digits of the credit card

Mailing Address:-

SBI Cards and Payment Services Limited

  • Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower
  • E-1, 2, 3 Netaji Subhash Place, Wazirpur New Delhi – 110034

Important Points to Remember

  • Clear all outstanding dues including EMIs, interest, and any applicable charges
  • Redeem all reward points before initiating closure
  • Cancel all auto-debits and subscriptions linked to the card
  • Do not use the card after submitting the closure request
  • Ask for confirmation via SMS or email once the request is processed

After Card Closure

  • Cut the card diagonally across the chip and magnetic strip
  • Check your credit report after a few weeks to confirm the status is updated as “Closed”

PhonePe SBI Card PURPLE Helpline Number

If you need assistance related to your PhonePe SBI Card PURPLE, you can contact the SBI Card customer support team. They provide support for billing queries, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Numbers

Availability

  • IVR Services: Available 24×7
  • Customer Care Executives: Monday to Saturday, 9:00 AM to 6:00 PM

Note: Calls to 1860 numbers may be chargeable depending on your telecom operator.

International Customer Support

  • Overseas Helpline: +91-80-26599990
  • This number can be used when calling from outside India

Email Support

  • Corporate Card Support: sbicorporate.services@sbicard.com
  • For personal credit card queries, you can also raise requests through SBI Card net banking or the official website

SMS Services (For Existing Cardholders)

Send SMS to 5676791 from your registered mobile number

  • Balance Check: BAL XXXX
  • Available Limit: AVAIL XXXX
  • Block Card: BLOCK XXXX
  • Payment Status: PAYMENT XXXX
  • Reward Points: REWARD XXXX
  • E-Statement: ESTMT XXXX
  • Duplicate Statement: DSTMT XXXX MM

(Replace XXXX with the last four digits of your card)

WhatsApp Support

How to Activate

  • Give a missed call on 08080945040
  • Register through SBI Card mobile app or official website
  • Send SMS: WAOPTIN XXXX to 5676791

Services Available

  • Assistance with billing and statement-related queries
  • Support for reporting lost or stolen cards
  • Help with fraud and transaction disputes
  • Information about reward points and offers
  • Requests for credit card closure or upgrade

Important Points

  • Keep your registered mobile number and card details ready for verification
  • Do not share sensitive information such as OTP, PIN, or CVV
  • Always note your complaint or reference number for future tracking
  • In case of suspicious activity, block your card immediately using official channels

FAQs

Which card is better: PhonePe SBI Card PURPLE or PhonePe HDFC Uno Card?

If your goal is to get maximum rewards on PhonePe transactions, the SBI Card PURPLE is a stronger choice. It provides 3% rewards on PhonePe spends and 1% on offline or in-store transactions. Unlike the HDFC Uno Card, the SBI card gives a Rs. 500 PhonePe gift card directly after paying the joining fee, instead of splitting welcome rewards across multiple transactions.

You can apply online through the official SBI Card website by filling out the application form and submitting the required documents. Offline applications are also possible by visiting the nearest SBI branch.

Yes. Transactions on utility bills and insurance outside PhonePe also earn reward points. The standard reward rate is 1%, with a monthly cap of 250 points.

The card does not include dedicated travel perks such as lounge access or hotel memberships. However, you can earn 3% rewards on travel bookings made via PhonePe. Additionally, milestone benefits include a Yatra voucher worth Rs. 3,000 when you spend Rs. 3 lakh in a year.

Yes. You can convert your accumulated points into cashback or vouchers, with each reward point valued at Rs. 1.