HDFC Phonepe Ultimo vs SBI Phonepe Select Black

[Joltpost]

I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

1. 10% CB for bills and recharges upto 1000
2. 5% CB for online spends upto 500
3. 1% CB for other spends upto 500

SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

1. 10% CB for bills and recharges upto 2000
2. 5% CB for online spends upto 2000
3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.

 

[Manishg]

I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

1. 10% CB for bills and recharges upto 1000
2. 5% CB for online spends upto 500
3. 1% CB for other spends upto 500

SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

1. 10% CB for bills and recharges upto 2000
2. 5% CB for online spends upto 2000
3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.

Only available on spends patterns of yours. No one can't tell without that.
But hdfc will not provide card if you are existing holder consideration of that sbi.

 

[Joltpost]

Only available on spends patterns of yours. No one can't tell without that.
But hdfc will not provide card if you are existing holder consideration of that sbi.

I mostly spend on utility bills and do shopping like Amazon, Blinkit, Zepto etc. Some other online shops like Steam and other international spends I do too.

 

[Wealth is my birth right!]

I mostly spend on utility bills and do shopping like Amazon, Blinkit, Zepto etc. Some other online shops like Steam and other international spends I do too.

Sbi best then

 

[HumorSimpson]

I mostly spend on utility bills and do shopping like Amazon, Blinkit, Zepto etc. Some other online shops like Steam and other international spends I do too.

Limits matter. Do a simple calculation on it.

 

[Joltpost]

Limits matter. Do a simple calculation on it.

Spends on utilities are within the 10k range including the electricity broadband and cellular service.

Shopping...not much somewhere around 1-5K mostly

 

[HumorSimpson]

Spends on utilities are within the 10k range including the electricity broadband and cellular service.

You got the answer now

 

[Joltpost]

You got the answer now

...which is..what exactly?

 

[athar_007]

I want a second opinion on which variant to go for.

HDFC Phonepe Ultimo

1. 10% CB for bills and recharges upto 1000
2. 5% CB for online spends upto 500
3. 1% CB for other spends upto 500

SBI Phonepe Select Black(note that all are combined at 2000 and not for each)

1. 10% CB for bills and recharges upto 2000
2. 5% CB for online spends upto 2000
3. 1% CB for other spends upto 2000

Both offer complimentary lounge access though SBI is offering one international lounge access.

Not sure if they have merchent restrictions for online spends. Anyone with either of these cards(or both?) can confirm.

Does lounge access has spend criteria?

 

[Shubham7]

SBI black best hai . Nhi mila to hdfc ultimo