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PhonePe Black SBI credit card vs Airtel Axis credit card

skywalker

TF Select
I want a credit card for my Airtel bill payment of ₹2500 per month, along with good benefits for other bill payments, recharges etc. I was thinking of getting the Airtel Axis credit card which would offer me 25% off on Airtel recharges and bill payments upto ₹250 per month. But then I read about the newly launched PhonePe SBI Black co-branded credit card, and it seems to be offering more than Airtel Axis CC, at least prima facie. Can someone please suggest which one of these is a better card overall, for bill payments, recharges and other benefits?
 
* Got SBI CB on 29/01/25
* 10 days back, After linking my SBI salary a/c to SBI Cards, I manually tried to increase Credit Limit on SBI APP. Previously in June, I tried but it wasn't successful.
* Applied for SBI PHONEPE Select Black on 24/07/25 & got it approved on 28/07/25.
Thanks for letting me know I believe you applied through Anumati for LE 10 days back? Do you feel that LE depended on your salary?
 
Yes, through Anumati only. I requested for 90k & it's Approved immediately. (My net salary is also the same)
In the month of May, I tried for 1.30 but it was not successful.
Oh did you get option to link account through Anumati in May? I believe you didn’t right? In a similar boat actually hence asking questions in this lines. Confused whether to apply for the PhonePe card now or after getting LE.

My LE req was also declined in May. (I didn’t get option of that Anumati only it directly said declined on App)
 
Oh did you get option to link account through Anumati in May? I believe you didn’t right? In a similar boat actually hence asking questions in this lines. Confused whether to apply for the PhonePe card now or after getting LE.

My LE req was also declined in May. (I didn’t get option of that Anumati only it directly said declined on App)
In May it was without Anumati,
During the verification calls, they did ask me about my SBI card's Limit.
 
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