SBI RuPay Select Debit Card

Name: SBI Card SBI RuPay Select Debit Card
Brand: SBI Card
Rating: 3.35 (1 reviews)

Ranked #14 of 66 in debit

debitRuPayUltra-Premium

SBI's ultra-premium Wealth-exclusive RuPay debit card offering exceptional combined lounge access, golf privileges, and strong insurance coverage — though its lounge benefits may be affected by the broader April 2026 NPCI RuPay-wide policy revision affecting all Indian RuPay debit cards.

Score breakdown

Data completeness: 70% · Last verified: 03 Sept 2026

Reward value14/100 · weight 71%

≈ 0.70% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks41/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3.5%

Lounge access

Domestic (per year): 16
International (per year): 2

Reward structure

Category	Type	Rate	Cap	Notes
utilities	cashback	5%	₹500 / monthly	Up to 5% flat cashback on bill payments handled via RuPay promotional links
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Standard SBI Rewardz accumulation across offline payments

Welcome offer

None specified

Milestone benefits

Pros

Excellent combined lounge access (16 domestic + 2 international/year)
2 complimentary golf games/year
strong insurance (Rs1 Crore air accident cover)
2 free movie tickets/month up to Rs500 via BookMyShow
12-month free Amazon Prime Video

Cons

Requires SBI Wealth account relationship — not independently obtainable
lounge benefit now subject to the broader Apr 2026 NPCI RuPay debit card policy revision, adding uncertainty despite this card's own generous terms

Insurance cover

text: ₹NaN

Eligibility

text: Requires SBI Wealth savings account relationship (high-net-worth)

Small print

Fuel surcharge:Not a highlighted benefit