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HDFC Phonepe Ultimo vs SBI Phonepe Select Black

J

Joltpost

TF Premier
I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

  1. 10% CB for bills and recharges upto 1000
  2. 5% CB for online spends upto 500
  3. 1% CB for other spends upto 500
SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

  1. 10% CB for bills and recharges upto 2000
  2. 5% CB for online spends upto 2000
  3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.
 
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Joltpost said:
I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

  1. 10% CB for bills and recharges upto 1000
  2. 5% CB for online spends upto 500
  3. 1% CB for other spends upto 500
SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

  1. 10% CB for bills and recharges upto 2000
  2. 5% CB for online spends upto 2000
  3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.
Click to expand...
Only available on spends patterns of yours. No one can't tell without that.
But hdfc will not provide card if you are existing holder consideration of that sbi.
 
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Manishg said:
Only available on spends patterns of yours. No one can't tell without that.
But hdfc will not provide card if you are existing holder consideration of that sbi.
Click to expand...

I mostly spend on utility bills and do shopping like Amazon, Blinkit, Zepto etc. Some other online shops like Steam and other international spends I do too.
 
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Joltpost said:
I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

  1. 10% CB for bills and recharges upto 1000
  2. 5% CB for online spends upto 500
  3. 1% CB for other spends upto 500
SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

  1. 10% CB for bills and recharges upto 2000
  2. 5% CB for online spends upto 2000
  3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.
Click to expand...
Does lounge access has spend criteria?
 
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SBI declined my PhonePe Black citing internal policy . I am already having SBI Cashback with 8 L+ limit so overleverage may be a factor. On a contrast, HDFC approved my Ultimo within 3 hours as I am having HDFC savings account and DCBM card . My experience with HDFC has been far better . Received the Ultimo card and will use it along with Axis Airtel to maximise the savings on utility bills.
 
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Same here
pranjal1984 said:
SBI declined my PhonePe Black citing internal policy . I am already having SBI Cashback with 8 L+ limit so overleverage may be a factor. On a contrast, HDFC approved my Ultimo within 3 hours as I am having HDFC savings account and DCBM card . My experience with HDFC has been far better . Received the Ultimo card and will use it along with Axis Airtel to maximise the savings on utility bills.
Click to expand...
Same here got declined quickly like it was pre-loaded message 😀 I was expecting easy approval and closed Tata Neu Infinity before applying here with over confidence. I just applied for HDFC Ultimo now and hope they approve.

Update: Approved now, awaiting card details.
 
Last edited:
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Joltpost said:
I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

  1. 10% CB for bills and recharges upto 1000
  2. 5% CB for online spends upto 500
  3. 1% CB for other spends upto 500
SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

  1. 10% CB for bills and recharges upto 2000
  2. 5% CB for online spends upto 2000
  3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.
Click to expand...
For 10 percent cashback on recharge and bill payment with phonepe ultimo. How to make a transaction with card. Otp method by entering card details or via upi method
 
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My sbi phonepe card got rejected... Now applied for hdfc... Ye bhi sala reject hi hoga lag raha hai. .. already 3 card hai... Don't know whether I am right or not .. but sbi phone pe says 10% cash back (capping 2000) on utility including insurance payment.... Hdfc benefit list doesn't include insurance payment ..
 
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