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HDFC Bank UPI RuPay Credit Card vs PhonePe SBI Card SELECT BLACK Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 1 October 2026.

HDFC Bank UPI RuPay Credit Card versus PhonePe SBI Card SELECT BLACK compared
FeatureHDFC Bank UPI RuPay Credit CardHDFC Bank UPI RuPay Credit CardHDFC Bank5 recent changes →
PhonePe SBI Card SELECT BLACKPhonePe SBI Card SELECT BLACKState Bank of India3 recent changes →
Rewards by spend
Rewards0.25% base, up to 0.75% on groceries1% base, up to 5% on online shopping; 10% only at partner merchants
UPI payments (scan and pay)0.25%1%
Online shopping0.25%5%
Dining and food delivery0.25%1%
Groceries0.75%1%
Travel: flights, hotels, trains0.25%1%
FuelsameEarns nothingEarns nothing
Bills and recharges0.5%1%; 10% only at PhonePe app
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing1%
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.25%1%
Everything else0.25%1%
Card identity
Card typeGroceryUtility bills
NetworksameRuPayRuPay
Card tierEntryMid
Fees
Joining fee₹99 + GST₹1,499 + GST
Annual fee₹99 + GST₹1,499 + GST
Fee waived at₹25,000₹3,00,000
Eligibility
Min age21 years-
Max age60 years-
Employment type-BOTH
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits-4
International lounge visits-0
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition-4 complimentary domestic airport lounge visits a year, 1 per quarter. Includes a complimentary 2-year Priority Pass membership, but international lounge visits on it are self-paid
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents needed-PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC Bank UPI RuPay Credit Card
Rewards a year
₹912
Fee a year
₹0
You keep
₹912
PhonePe SBI Card SELECT BLACK
Rewards a year
₹4,800
Fee a year
- ₹1,769
You keep
₹3,031

At this spend, PhonePe SBI Card SELECT BLACK comes out ₹2,119 a year ahead of HDFC Bank UPI RuPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

HDFC Bank UPI RuPay Credit Card
  • Heavy UPI users
  • First-time credit card users
  • People who want the lowest possible fee
PhonePe SBI Card SELECT BLACK
  • Utility bills only at PhonePe app: 10% back, up to ₹1,500 a month
  • Online shopping: 5% back, up to ₹1,000 a month
  • Spending ₹25,000 or more a month: the ₹1,769 fee is waived
  • Flyers: 4 airport lounge visits a year

Watch-Outs

HDFC Bank UPI RuPay Credit Card
  • Returns of 0.75% or less
  • Monthly caps on CashPoints
  • No lounge or travel benefits
PhonePe SBI Card SELECT BLACK
  • Skip it if you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
  • Skip it if you rarely spend on PhonePe app: the 10% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend

Card data sourced via CardAdvisor.in (HDFC Bank UPI RuPay Credit Card, PhonePe SBI Card SELECT BLACK), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Bank UPI RuPay Credit Card or PhonePe SBI Card SELECT BLACK?

HDFC Bank UPI RuPay Credit Card. HDFC Bank UPI RuPay Credit Card: ₹99; PhonePe SBI Card SELECT BLACK: ₹1,499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC Bank UPI RuPay Credit Card has the lowest forex markup. HDFC Bank UPI RuPay Credit Card: 3.5%; PhonePe SBI Card SELECT BLACK: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: PhonePe SBI Card SELECT BLACK 1%, HDFC Bank UPI RuPay Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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