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?

 

[Rahul098]

Factos

If net return is 8% then i am happy with unlimited 7% from adani one signature

Is this the same for any utilities bills?

 

[Wealth is my birth right!]

Is this the same for any utilities bills?

Yes but which app u use there are charges upto 2% nowadays so in cb pls consider the charges too

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?

Sbi phonepe best since axis best for only Airtel recharges that too cb is 250/- per month

 

[Slayer]

Is this the same for any utilities bills?

I use adani one signature to pay utility bills only
It's a mid travel card

 

[nikhilv0303]

I use adani one signature to pay utility bills only
It's a mid travel card

Adani gives only on Adani ecosystem right? So if u pay electricity bill of Maharas State board it doesn’t give good rewards?

 

[Slayer]

Adani gives only on Adani ecosystem right? So if u pay electricity bill of Maharas State board it doesn’t give good rewards?

If you had explored the app - you could see that it allows utility payments for BBPS billers

But you didn't 😴

 

[nikhilv0303]

If you had explored the app - you could see that it allows utility payments for BBPS billers

But you didn't 😴

What I meant was that the CC gives 7% only on Adani billers or all utilities?

 

[Slayer]

I dont even know what Adani billers are

 

[irajnish]

Yes, they verified aadhar through digi locker. Then got rejected.

It is not available on your pincode.

 

[rsivva]

Applied thru phonepe...after digilocker verification got message....rejected citing internal policies. Got message that cibil enquiry is also done.
Exact Reason should be speciifed
Has anyone on same page and complained this to RBI?

 

[giridhari]

Applied thru phonepe...after digilocker verification got message....rejected citing internal policies. Got message that cibil enquiry is also done.
Exact Reason should be speciifed
Has anyone on same page and complained this to RBI?

Yes, In Cibil an alert generated with new credit card opened but card not issued

 

[CoolGeek]

C

Factos

If net return is 8% then i am happy with unlimited 7% from adani one signature

Check, the fees...Adone one card has 5k/year

 

[CoolGeek]

C

Check, the fees...Adone one card has 5k/year

And it doesn't give 7% cashback for Insurance...only 0.5% I guess for insurance

 

[Rishabh]

Core card 1 limit
Co branded 2 cards shared limit
Total 3 cards possible if no leverage concerns

This is incorrect. I have 3 cards with SBI & all of them are Co-Branded (OLA, BPCL, TATA) with separate limits.

 

[Wealth is my birth right!]

This is incorrect. I have 3 cards with SBI & all of them are Co-Branded (OLA, BPCL, TATA) with separate limits.

If u apply any core then the logic what I said will be applicable to you by sbi
Pls get an ltf core for experiment

 

[skywalker]

If anyone already has PhonePe Select Black SBI Card, can you please confirm if the points can definitely be adjusted in the statement? If yes, then how frequently can that be done and is there any minimum number of points that need to be accumulated for redeeming in the statement?

Is there any redemption fee?

@Wealth is my birth right! @Abhishek012

 

[Wealth is my birth right!]

If anyone already has PhonePe Select Black SBI Card, can you please confirm if the points can definitely be adjusted in the statement? If yes, then how frequently can that be done and is there any minimum number of points that need to be accumulated for redeeming in the statement?

Is there any redemption fee?

@Wealth is my birth right! @Abhishek012

No redemption fee
Anytime u can call and redeem
Minimum 1000/- I guess but not sure since I did it at 2k points in my account

 

[skywalker]

No redemption fee
Anytime u can call and redeem
Minimum 1000/- I guess but not sure since I did it at 2k points in my account

We have to call and redeem? It can’t be done through the PhonePe/SBI Card apps?

And they directly credit it to the statement right, like I would have to pay ₹2000 less on my CC bill if I get 2000 points redeemed?

 

[Wealth is my birth right!]

We have to call and redeem? It can’t be done through the PhonePe/SBI Card apps?

And they directly credit it to the statement right, like I would have to pay ₹2000 less on my CC bill if I get 2000 points redeemed?

Yes currently no redemption option in app
We need to call
Yes before ur statement date if u redeem then u can pay less the redeeming amount of bill
FYI redemption takes upto 48 hrs once u place request

 

[skywalker]

Yes currently no redemption option in app
We need to call
Yes before ur statement date if u redeem then u can pay less the redeeming amount of bill
FYI redemption takes upto 48 hrs once u place request

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.

 

[Abhishek012]

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.

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