



Card Issuer
SBI Card
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
3 pts/₹100
on PhonePe spends (recharges, utilities, bill payments, insurance, travel)
2 pts/₹100
on eligible online spends
1 pt/₹100
on all other spends
Earn 3 reward points per ₹100 on PhonePe spends with a ₹499 annual fee.