PhonePe SBI Card SELECT BLACK 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 SELECT BLACKState Bank of India3 recent changes → |  SpiceJet Axis Bank Voyage Credit CardAxis Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 5% on online shopping; 10% 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 | 5% | 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%; 10% 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 tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹1,499 + GST | ₹750 + GST | |
| Annual fee | ₹1,499 + GST | ₹750 + GST | |
| Fee waived at | ₹3,00,000 | - | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹400 | |
| Lounge access | |||
| Domestic lounge visitssame | 4 | 4 | |
| International lounge visitssame | 0 | 0 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| 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 | 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)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) 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
- ₹4,800
- Fee a year
- - ₹1,769
- You keep
- ₹3,031
- Rewards a year
- ₹2,256
- Fee a year
- - ₹885
- You keep
- ₹1,371
At this spend, PhonePe SBI Card SELECT BLACK comes out ₹1,660 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: 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
- 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 ₹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
- 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 SELECT BLACK, 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 SELECT BLACK or SpiceJet Axis Bank Voyage Credit Card?
SpiceJet Axis Bank Voyage Credit Card. SpiceJet Axis Bank Voyage Credit Card: ₹750; 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%; 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 SELECT BLACK 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.
Which gives airport lounge access?
PhonePe SBI Card SELECT BLACK: 4 domestic lounge visits a year; SpiceJet Axis Bank Voyage Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
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
Other Comparisons
- PhonePe SBI Card SELECT BLACK vs HSBC Live Plus Credit CardSide by side →
- PhonePe SBI Card SELECT BLACK vs HDFC Bank UPI RuPay Credit CardSide by side →
- PhonePe SBI Card SELECT BLACK vs AU Altura Credit CardSide by side →
- SpiceJet Axis Bank Voyage Credit Card vs Federal Scapia Credit cardSide by side →
- SpiceJet Axis Bank Voyage Credit Card vs IDFC FIRST Millennia Credit CardSide by side →
- SpiceJet Axis Bank Voyage Credit Card vs SBI Card MILES PRIMESide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
