PhonePe SBI Card PURPLE vs SpiceJet Axis Bank Voyage Credit Card 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: 11 October 2026.
| Feature |  PhonePe SBI Card PURPLEState Bank of India3 recent changes → |  SpiceJet Axis Bank Voyage Credit CardAxis Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 2% on online shopping; 3% only at partner merchants | 0.75% base, up to 1.5% on dining; 4.5% only at partner merchants | |
| UPI payments (scan and pay) | 1% | Earns nothing | |
| Online shopping | 2% | 0.75% | |
| Dining and food delivery | 1% | 1.5% | |
| Groceries | 1% | 0.75% | |
| Travel: flights, hotels, trains | 1% | 0.75%; 4.5% only at SpiceJet | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1%; 3% only at PhonePe app | 1.5% | |
| Rent | Earns nothing | 0.75% | |
| Insurance premiums | 1% | 0.75% | |
| School and college fees | Earns nothing | 0.75% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 1% | 0.75% | |
| Everything else | 1% | 0.75% | |
| Streaming subscriptions | - | 1.5% | |
| Card identity | |||
| Card type | Utility bills | Travel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹750 + GST | |
| Annual fee | ₹499 + GST | ₹750 + GST | |
| Fee waived at | ₹1,00,000 | - | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹400 | |
| Lounge access | |||
| Domestic lounge visits | - | 4 | |
| International lounge visits | - | 0 | |
| Lounge condition | - | Spend Rs 50,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,000
- Fee a year
- ₹0
- You keep
- ₹3,000
- Rewards a year
- ₹2,256
- Fee a year
- - ₹885
- You keep
- ₹1,371
At this spend, PhonePe SBI Card PURPLE comes out ₹1,629 a year ahead of SpiceJet Axis Bank Voyage 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
- Utility bills only at PhonePe app: 3% back, up to ₹750 a month
- Online shopping: 2% back, up to ₹750 a month
- Spending ₹8,333 or more a month: the ₹589 fee is waived
- Travel only at SpiceJet: 4.5% back
- Dining: 1.5% back
- Flyers: 4 airport lounge visits a year
Watch-Outs
- Skip it if you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 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 3% 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
- Skip it if you spend less than ₹10,000 a month: below that the ₹885 fee costs more than the rewards
- Skip it if most of your spending is fuel or wallet top-ups: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
Card data sourced via CardAdvisor.in (PhonePe SBI Card PURPLE, SpiceJet Axis Bank Voyage Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, PhonePe SBI Card PURPLE or SpiceJet Axis Bank Voyage Credit Card?
PhonePe SBI Card PURPLE. PhonePe SBI Card PURPLE: ₹499; SpiceJet Axis Bank Voyage Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
PhonePe SBI Card PURPLE has the lowest forex markup. PhonePe SBI Card PURPLE: 3.5%; SpiceJet Axis Bank Voyage Credit Card: 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 PURPLE 1%, SpiceJet Axis Bank Voyage Credit Card 0.75%. 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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