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PhonePe SBI Card SELECT BLACK vs HDFC Bank UPI RuPay 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: 1 October 2026.

PhonePe SBI Card SELECT BLACK versus HDFC Bank UPI RuPay Credit Card compared
FeaturePhonePe SBI Card SELECT BLACKPhonePe SBI Card SELECT BLACKState Bank of India3 recent changes →
HDFC Bank UPI RuPay Credit CardHDFC Bank UPI RuPay Credit CardHDFC Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping; 10% only at partner merchants0.25% base, up to 0.75% on groceries
UPI payments (scan and pay)1%0.25%
Online shopping5%0.25%
Dining and food delivery1%0.25%
Groceries1%0.75%
Travel: flights, hotels, trains1%0.25%
FuelsameEarns nothingEarns nothing
Bills and recharges1%; 10% only at PhonePe app0.5%
RentsameEarns nothingEarns nothing
Insurance premiums1%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.25%
Everything else1%0.25%
Card identity
Card typeUtility billsGrocery
NetworksameRuPayRuPay
Card tierMidEntry
Fees
Joining fee₹1,499 + GST₹99 + GST
Annual fee₹1,499 + GST₹99 + GST
Fee waived at₹3,00,000₹25,000
Eligibility
Min age-21 years
Max age-60 years
Employment typeBOTH-
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250-
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge condition4 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 neededPAN 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

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

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

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
HDFC Bank UPI RuPay Credit Card
  • Heavy UPI users
  • First-time credit card users
  • People who want the lowest possible fee

Watch-Outs

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
HDFC Bank UPI RuPay Credit Card
  • Returns of 0.75% or less
  • Monthly caps on CashPoints
  • No lounge or travel benefits

Card data sourced via CardAdvisor.in (PhonePe SBI Card SELECT BLACK, HDFC Bank UPI RuPay 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 SELECT BLACK or HDFC Bank UPI RuPay Credit Card?

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?

PhonePe SBI Card SELECT BLACK has the lowest forex markup. PhonePe SBI Card SELECT BLACK: 3.5%; HDFC Bank UPI RuPay 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 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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