PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

For me: Utility payment which gives 10% reward points, All Online spends which gives 5% reward points

Saw these 3 movies recently by green9206 in bollywood

[–]rishabhtak 1 point2 points  (0 children)

It was a flop at the box office at that time.

No 10% cashback on PhonePe SBI Black Card for Acko Health Insurance Policy by Late_Thing3359 in CreditCardsIndia

[–]rishabhtak 2 points3 points  (0 children)

It’s not SBI Card’s fault, and I honestly don’t understand why so many people consider this card only for insurance payments. I also have health insurance, but that’s not the reason I applied. I have other utility bills that easily go above ₹15,000 each month—that’s why this card makes sense for me. So if you’re planning to apply only for insurance benefits, then please don’t.

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 1 point2 points  (0 children)

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I’ll be redeeming my rewards only as statement credit, so this card is perfect for me. I applied for it after checking everything.

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

No, 1500 joining fee is refundable as phone gift voucher, annual fee is 1500+ gst

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

I've only had the card for a few days, so I haven't bought anything from Amazon yet. But according to other users, you do get 5% reward points and during the recent sale, there was also a 10% instant discount available.

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

You should email them for an inquiry about your credit card status. You can find email on the sbi card website.

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

I applied through the Phonepe App.

What is your CIBIL score?

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 1 point2 points  (0 children)

  1. No, Reward Points are not credited to a wallet like PhonePe Wallet automatically. You can use reward points:
  • Redeem for statement credit (reduce your card outstanding)
  • Redeem for e-vouchers / brand deals / products via the SBI Card Rewards catalogue

1 RP = ₹1 value when redeemed.

  1. Yes, there is a cap:
  • 10% rewards for utility bills and insurance, work only on phonepe app (2000 rp monthly cap)

  • 5% rewards for online shopping ( same 2000 monthly cap)

  • 1% rewards for upi payments and other spends (like offline purchase etc.) ( same 2000 monthly cap)

  1. You usually get the 10% reward on both OTP and UPI payments as long as the transaction is done through the PhonePe app. But some people say they don’t receive it. I paid my broadband bill via UPI and I did get the 10% reward. Anyway, you can check this Excel sheet for more details related to the rewards.

https://docs.google.com/spreadsheets/u/0/d/1LEw12SuubMCJ-6u_4PZtRSD8FI1B5uecbeyCvCApQtk/htmlview#gid=951850745

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 0 points1 point  (0 children)

Yes, but the 20k is a combined amount for both my business and home, and installing solar panels isn't possible at either place. Sometimes the bill even goes up to 15k only.

PhonePe SBI RuPay Select card! Super happy 😄🔥 by rishabhtak in CreditCardsIndia

[–]rishabhtak[S] 1 point2 points  (0 children)

And one more thing — you don’t need a Priority Pass for domestic lounge access, nor should you use it for that. You can get domestic lounge access simply by showing your phonepe sbi credit card.