PhonePe Black SBI credit card vs Airtel Axis credit card

[skywalker]

I want a credit card for my Airtel bill payment of ₹2500 per month, along with good benefits for other bill payments, recharges etc. I was thinking of getting the Airtel Axis credit card which would offer me 25% off on Airtel recharges and bill payments upto ₹250 per month. But then I read about the newly launched PhonePe SBI Black co-branded credit card, and it seems to be offering more than Airtel Axis CC, at least prima facie. Can someone please suggest which one of these is a better card overall, for bill payments, recharges and other benefits?

 

[skywalker]

Online UPI spend - you will get 5% cb, offline UPI (scan & Pay) you will get 1% cb

Oh understood, I guess that makes this the highest rewarding CC for online UPI spends, right? 😳

Also, how much time after doing the transaction do the RPs get credited?

 

[Abhishek012]

Oh understood, I guess that makes this the highest rewarding CC for online UPI spends, right? 😳

Also, how much time after doing the transaction do the RPs get credited?

within 3 days.

 

[nikhilv0303]

Oh understood, I guess that makes this the highest rewarding CC for online UPI spends, right? 😳

Also, how much time after doing the transaction do the RPs get credited?

What’s the benefit of using CC on UPI for Online? Just curious

 

[skywalker]

What’s the benefit of using CC on UPI for Online? Just curious

You apparently get 5% CB if you make a UPI spend using the SBI PhonePe Select Black CC online (not offline scan and pay via UPI).

 

[skywalker]

Btw an update - if you have an Airtel Black Postpaid connection, you won’t be able to pay off its dues from anywhere else other than the Airtel Thanks app it seems. So the SBI PhonePe Select Black CC won’t be useful for that particular bill, Airtel Axis Bank CC would come handy for that.

 

[herozpp]

What’s the benefit of using CC on UPI for Online? Just curious

if you need to pay bills more then i would say airtel axis rupay would be a good choice as it gives good cashback on bills else for upi spends i use kiwi and roarbank ...this 3 credit cards have good chances of having high credit limit and approval then the the sbi in anyway😂 so i prefer this

 

[nikhilv0303]

You apparently get 5% CB if you make a UPI spend using the SBI PhonePe Select Black CC online (not offline scan and pay via UPI).

you would get the same is you use card number and otp method as well right?
If it’s Convenience then yes UPI is bettwr

 

[Wealth is my birth right!]

Thanks @Wealth is my birth right!

Are you aware if Scan & Pay UPI payments through this CC via CRED UPI gives 5% RPs? It’s been mentioned in another thread.

Not sure
But offline scan if we get 5% then big boom

 

[skywalker]

Not sure
But offline scan if we get 5% then big boom

Seems like it yields 5% CB only for online UPI spends, and for offline scan & pay UPI it yields 1% CB.

 

[Wealth is my birth right!]

Seems like it yields 5% CB only for online UPI spends, and for offline scan & pay UPI it yields 1% CB.

Thanks for the info 👍

 

[Abhishek012]

What’s the benefit of using CC on UPI for Online? Just curious

Prepaid/Postpaid recharge on Phonepe app - The convenience fee is lower with UPI and you’ll get 10% cashback.

Second benefit: there are many bugs in UPI credit card to credit card payments, and sometimes, because of MCC codes being eligible for 5% cashback, you end up getting 5% cashback via UPI.

Real example – last month, there was a bug in the Innopay app for CC UPI to CC payments and 5% cashback was credited on credit card payments.

3nd benefit: you can combine Amazon Gold Rewards 5% cashback with SBI PhonePe RuPay CC UPI 5% cashback – giving a total of 10% cashback on Amazon shopping.

Fourth benefit: There are some hidden apps where you can get 5% cashback when buying Amazon gift vouchers using CC UPI and those apps don’t have the option for direct credit card OTP payment. But just like others, you probably won’t be interested in this, so I’d suggest getting the 5% SBI Visa Cashback Credit Card instead.

 

[nikhilv0303]

Prepaid/Postpaid recharge on Phonepe app - The convenience fee is lower with UPI and you’ll get 10% cashback.

Second benefit: there are many bugs in UPI credit card to credit card payments, and sometimes, because of MCC codes being eligible for 5% cashback, you end up getting 5% cashback via UPI.

Real example – last month, there was a bug in the Innopay app for CC UPI to CC payments and 5% cashback was credited on credit card payments.

3nd benefit: you can combine Amazon Gold Rewards 5% cashback with SBI PhonePe RuPay CC UPI 5% cashback – giving a total of 10% cashback on Amazon shopping.

Fourth benefit: There are some hidden apps where you can get 5% cashback when buying Amazon gift vouchers using CC UPI and those apps don’t have the option for direct credit card OTP payment. But just like others, you probably won’t be interested in this, so I’d suggest getting the 5% SBI Visa Cashback Credit Card instead.

Have the CB card already, but most probably will get rejected for PhonePe SBI with over leverage issue.. hence avoiding

 

[Abhishek012]

Have the CB card already, but most probably will get rejected for PhonePe SBI with over leverage issue.. hence avoiding

Many existing cb card users got SBI phonepe black select RuPay credit card too.