PhonePe SBI Card PURPLE: Earn Rewards on Your Everyday Expense

The PhonePe SBI Card PURPLE is made for people who spend money online and use PhonePe to make quick, easy payments. This card gives you rewards for every purchase you make, whether it is shopping, paying bills, or using everyday utilities. 

Furthermore, the PhonePe SBI Credit Card PURPLE makes every swipe and tap worth more by offering smart rewards that are perfect for people who use digital devices a lot. So, let us look at its fees, features, and what makes it a great everyday rewards card.

PhonePe SBI Credit Card PURPLE Benefits

One of the key highlights of this credit card is its reward structure, which is built around daily spending habits. It lets you earn 1% - 3% rewards on regular monthly expenses, such as utility bills and insurance. Take a look: 

• ₹500 PhonePe voucher within 45 days of joining
• 3 Reward Points on every ₹100 spent on PhonePe and Pincode 
• 2 Reward Points on every ₹100 spent on 1000+ digital partners, including Amazon, Swiggy, Zomato, Uber, Myntra, Nykaa, BookMyShow, MakeMyTrip, Blinkit, Zepto, Rapido, etc. 
• 1 Reward Point on every ₹100 spent on all other expenses, including Scan & Pay (on all UPI apps), Tap & Pay, etc.  

All the reward points are capped at 1000 per month. Additionally, utility and insurance expenses outside of PhonePe will earn only 1 Reward Point per ₹100 (a maximum of 250 points per month).    

Note: 1 Reward Point equates to ₹1. The points can be redeemed for a statement credit or gift vouchers from the SBI Shop & Smile Rewards Catalogue.

Exclusive PhonePe SBI Credit Card PURPLE Features 

• Milestone Benefit: 

Cardholders can earn a Yatra travel voucher worth ₹3000 on annual spends of ₹300,000 and above. 

• Annual Fee Reversal: 

Spend ₹100,000 in the preceding year to win at least 1000 Reward Points and waive off the annual fee of your PhonePe SBI Credit Card PURPLE for the upcoming calendar year. 

•  Fuel Surcharge Waiver: 

1% surcharge waiver on fuel expenses between ₹500 and ₹3000. You can avail a maximum of ₹100 waiver on fuel per statement cycle.    

Applicable Charges on PhonePe SBI Card PURPLE 

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST 
• Cash Advance Fee: 2.5% or ₹500 (whichever is higher) 
• Finance Charges: 3.75% per month (45% annually)  

Please note that the card also attracts late payment charges, up to ₹1300.

💡Pay your credit card bills easily and securely with the PICE App.

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Conclusion

The PhonePe SBI Card PURPLE is a rewarding everyday credit card designed for digital-first users who frequently spend online and on PhonePe. With strong rewards on daily expenses, milestone benefits, fee waivers, and flexible redemption options, it offers excellent value for those seeking convenience, savings, and simplified payments.

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