{"id":6930,"date":"2026-03-31T22:19:21","date_gmt":"2026-03-31T16:49:21","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6930"},"modified":"2026-03-31T22:19:25","modified_gmt":"2026-03-31T16:49:25","slug":"this-sbi-card-saves-2x-more-than-cashback-sbi-card-on-10k-monthly-spend-see-which-one","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/this-sbi-card-saves-2x-more-than-cashback-sbi-card-on-10k-monthly-spend-see-which-one\/","title":{"rendered":"This SBI Card Saves 2X More Than Cashback SBI Card on \u20b910K Monthly Spend &#8211; See Which One"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong>The article compares the popular Cashback SBI Card with another SBI Credit Card based on their fees, reward systems, and overall benefits. It helps users choose between a high cashback-focused card and a lifestyle card offering rewards and travel perks.<\/p>\n<\/blockquote>\n\n\n\n<p>Two of the popular credit cards, the SBI Cashback Card and the PhonePe SBI Select Black Credit Card, are designed for different spending habits. The Cashback Card is designed for users who want a simple cashback structure where they save every time they make online and offline purchases. The PhonePe SBI Select Black Card, on the other hand, is a co-branded lifestyle card that offers higher rewards for spending via the PhonePe app in addition to the other benefits, which include access to a lounge, milestone rewards, and travel benefits.\u00a0<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-289167534\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-cashback-sbi-card\" style=\"font-size:22px\">1. <strong><a href=\"https:\/\/bitli.in\/utB6gOM\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cashback <strong>SBI<\/strong> Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\" https:\/\/bitli.in\/utB6gOM\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/Cashback-SBI-Card-1024x640.jpg\" alt=\"Cashback SBI Card\" class=\"wp-image-543\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/Cashback-SBI-Card-1024x640.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/Cashback-SBI-Card-980x613.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/Cashback-SBI-Card-480x300.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fee\/Annual Fee: \u20b9999 + GST&nbsp;<\/li>\n\n\n\n<li>Fee waiver: Annual Spend \u20b9200,000\/year<\/li>\n\n\n\n<li><strong>Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>5% cashback on online spends without any merchant restrictions<\/li>\n\n\n\n<li>1% cashback on offline spends<\/li>\n\n\n\n<li>1% Fuel Surcharge Waiver on every transaction between \u20b9500 and \u20b93000 at all petrol stations. Maximum \u20b9100 per statement cycle&nbsp;<\/li>\n\n\n\n<li>Cashback is not applicable for spending on utilities, insurance, fuel, rent, wallets, education, jewellery, railways, etc.<\/li>\n\n\n\n<li>Cashback is credited automatically within 2 days of the next statement.&nbsp;<\/li>\n\n\n\n<li>Worldwide acceptance &amp; ATM cash access<\/li>\n\n\n\n<li>The maximum cashback that can be earned per statement cycle is capped at \u20b94,000 (effective April 1st update)&nbsp;<\/li>\n\n\n\n<li>Most purchases can be converted into EMIs using SBI Card\u2019s Flexipay facility (cashback may not be earned on transactions converted to EMI)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <a href=\"https:\/\/bitli.in\/utB6gOM\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Official Website<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-phonepe-sbi-card-select-black\" style=\"font-size:22px\"><strong>2. PhonePe SBI Card Select Black<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/PhonePe-SBI-Card-Select-Black-1024x683.jpg\" alt=\"PhonePe SBI Card Select Black\" class=\"wp-image-6931\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/PhonePe-SBI-Card-Select-Black-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/PhonePe-SBI-Card-Select-Black-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/PhonePe-SBI-Card-Select-Black-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fee\/Annual Fee:&nbsp; \u20b91,499 + GST&nbsp;<\/li>\n\n\n\n<li>Fee waiver: Annual Spend \u20b9300,000\/year<\/li>\n\n\n\n<li><strong>Benefits<\/strong>\n<ul class=\"wp-block-list\">\n<li>Welcome Benefit: PhonePe gift voucher worth \u20b91,500 after the first credit card bill payment<\/li>\n\n\n\n<li>Milestone Benefit: Yatra Voucher worth \u20b95,000 on achieving annual spends of \u20b95 lakh<\/li>\n\n\n\n<li>10% rewards per \u20b9100 on PhonePe spends (recharges, bill payments, travel, insurance, etc.)<\/li>\n\n\n\n<li>5% rewards per \u20b9100 on&nbsp; online spending across major merchants<\/li>\n\n\n\n<li>1% rewards per \u20b9100 on other spending, including offline and UPI transactions<\/li>\n\n\n\n<li>1 reward point = Re. 1&nbsp;<\/li>\n\n\n\n<li>1% Fuel Surcharge Waiver on every transaction between \u20b9500 and \u20b94000 at all petrol stations. Maximum \u20b9250 per statement cycle&nbsp;<\/li>\n\n\n\n<li>4 free domestic lounge accesses (1 per quarter, no spend condition to avail)&nbsp;<\/li>\n\n\n\n<li>Withdraw cash from over 1 million Visa\/Mastercard\/American Express ATMs globally, enabling international cash access wherever the respective network is accepted.<\/li>\n\n\n\n<li>Eligible purchases can be converted into easy monthly EMIs on transactions of \u20b92,500 or more.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-top-4-travel-credit-cards-with-0-forex-markup-amp-free-airport-lounge-access-which-one-should-you-pick\" style=\"font-size:18px\"><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/top-4-travel-credit-cards-with-0-forex-markup-free-airport-lounge-access-which-one-should-you-pick\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 4 Travel Credit Cards with 0% Forex Markup &amp; Free Airport Lounge Access \u2013 Which One Should You Pick?<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-example-monthly-spend-of-10-000-and-how-much-can-you-save\" style=\"font-size:22px\"><strong>Example: Monthly Spend of \u20b910,000 and How Much Can You Save?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>category<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>SBI Cashback Card<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>PhonePe SBI Select Black Card<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Online Spending<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b98,000 at 5% cashback = \u20b9400<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b92,000 \u2192 100 points (\u20b9100)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PhonePe Spending<\/td><td class=\"has-text-align-center\" data-align=\"center\">Not applicable<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b97,000 \u2192 700 points (\u20b9700)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Offline Spending<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b92,000 at 1% cashback = \u20b920<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b91,000 \u2192 10 points (\u20b910)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Total Monthly Value<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9420<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u20b9810&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note:<\/strong> For illustration purposes, the actual value may vary depending on redemption options such as vouchers, travel bookings, or statement credit. Higher spending via the PhonePe app earns more reward points due to higher reward multipliers on PhonePe transactions.&nbsp;<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3003382632\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-one-should-you-choose\" style=\"font-size:22px\"><strong>Which One Should You Choose?<\/strong><\/h2>\n\n\n\n<p>Your spending habits and your preferred reward system will determine which of these two cards you should select.&nbsp;<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3699068908\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The SBI Cashback Card is best suited for users who prefer a simple, no-maintenance cashback structure with strong returns on online spending.&nbsp;<\/li>\n\n\n\n<li>The PhonePe SBI Select Black Credit Card serves as the perfect choice for users who want to obtain maximum value from their rewards points through their active usage of PhonePe and their access to milestone vouchers, lounge facilities and extra lifestyle perks.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The two cards serve distinct groups of users. The SBI Cashback Card provides optimal benefits to users who prefer uncomplicated banking methods, together with fixed cashback rewards on their daily internet and store purchases. The PhonePe SBI Select Black Credit Card targets users who make frequent transactions within the PhonePe platform and wish to receive additional benefits that include vouchers, lounge entry, and milestone bonuses. Your decision will be determined by which option you value more between basic cashback and a credit card that provides extensive features with rewards.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written By Ameet S<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: The article compares the popular Cashback SBI Card with another SBI Credit Card based on their fees, reward systems, and overall benefits. It helps users choose between a high cashback-focused card and a lifestyle card offering rewards and travel perks. Two of the popular credit cards, the SBI Cashback Card and the PhonePe SBI [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[689,19,2334],"ppma_author":[1013],"class_list":["post-6930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-cashback-sbi-card","tag-credit-cards","tag-phonepe-sbi-card-select-black"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>This SBI Card Saves 2X More Than Cashback SBI Card on \u20b910K Monthly Spend - See Which One<\/title>\n<meta name=\"description\" content=\"Two of the popular credit cards, the SBI Cashback Card 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