PhonePe SBI Card SELECT BLACK vs Zaggle
Zaggle has the lower annual fee (Free against ₹1,499). PhonePe SBI Card SELECT BLACK waives its fee on ₹3,00,000 of spend a year; Zaggle has no spend waiver. For spends abroad, Zaggle charges the lower forex markup (3.49% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | PhonePe SBI Card SELECT BLACKSBI Card1 win | ZaggleAU Small Finance3 wins · ahead |
|---|---|---|
| Annual fee | ₹1,499 | LowerFree |
| Joining fee | ₹1,499 | LowerFree |
| Fee waiver | Waived on ₹3,00,000 spend a year | No fee to waive |
| Rewards | 10 Reward Points per Rs. 100 on PhonePe spends, 5 on online spends | Up to 8% Zagg Coins on UPI and tap-and-pay, up to 4% on e-commerce, 2% on POS |
| Airport lounges | More4 a year domestic | None listed |
| Forex markup | 3.5% plus GST | Lower3.49% plus GST |
| Points | Reward Points, about ₹1 a point | Zagg Coins, about ₹0.25 a point |
| Published minimum income and age | Not published | age 21 to 65 |
| Network | RuPay | Visa / RuPay |
| Apply | Bank page | ApplyAffiliate link |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
Common questions
Which has the lower annual fee?
Zaggle (Free against ₹1,499). PhonePe SBI Card SELECT BLACK waives it on ₹3,00,000 of spend a year.
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