Rupay PhonePe SBI Card SELECT BLACK: 10% Reward Point Eligibility Query
Users of the Rupay PhonePe SBI Card SELECT BLACK are facing an issue with inconsistent 10% reward point accrual on payments, particularly for utility and insurance bills. The primary concern stems from transactions appearing under different merchant names for the same service, resulting in varying reward rates (e.g., 10% vs. 1%).
For instance, electricity bill payments processed under 'PhonePe Utility IN' qualified for 10% rewards, whereas those under 'UTILITY PP FSS IN' only received 1%. Similar merchant name variations are observed for insurance payments, causing confusion regarding eligibility for the higher reward rate.
Attempts to get clarification from SBI Card and PhonePe customer support have been unhelpful. We are seeking community insights or official guidance on how to identify the specific merchant names that consistently qualify for the 10% reward points.