PhonePe Black SBI credit card vs Airtel Axis credit card

[skywalker]

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?

 

[devsfinance]

* 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?

 

[Sree CC]

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.

 

[devsfinance]

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)

 

[Sree CC]

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.

 

[Wealth is my birth right!]

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.

My app showed 2 times than current limit and almost its equivalent to higher limit in cibil
I applied LE but no updates even after a week

 

[Sree CC]

My app showed 2 times than current limit and almost its equivalent to higher limit in cibil
I applied LE but no updates even after a week

I was also shown like that.... around 2.5L

 

[Wealth is my birth right!]

I was also shown like that.... around 2.5L

Will they approve?
Didn’t asked any documents

 

[theMessiah]

My app showed 2 times than current limit and almost its equivalent to higher limit in cibil
I applied LE but no updates even after a week

I applied today for le for both bpcl and cashback. They increased for bpcl instantly but a very low increase and instantly denied for cashback.

 

[vaibhav111vaibhav111 is verified member.]

Bhai available hai
Above 30k I can’t test since no policy with me….
Charges keep that max 2% for all categories so that 8% our profit
So pls apply imo

so i have insurance payment of 5.11L so i checked and i though let try with amex it can't be added at all. so which cc are allowed here for insurance payment? through hdfc life portal i'm paying some 0.75-0.85% so i'm aware that make more sense thought. so finding zero charges app or service.

 

[Wealth is my birth right!]

so i have insurance payment of 5.11L so i checked and i though let try with amex it can't be added at all. so which cc are allowed here for insurance payment? through hdfc life portal i'm paying some 0.75-0.85% so i'm aware that make more sense thought. so finding zero charges app or service.

Zero charges tough to find that too 5l premium
On sbi too 2k cb cap there so plan accordingly

 

[Wealth is my birth right!]

I applied today for le for both bpcl and cashback. They increased for bpcl instantly but a very low increase and instantly denied for cashback.

How to see the result of LE?
I got some service request email then nothing

 

[Sree CC]

Will they approve?
Didn’t asked any documents

They approved mine instantly,

 

[devsfinance]

They approved mine instantly,

So if I summarise,
For you in May - You applied for LE through App it didn’t gave you Anumati but straight up denied the request.

Now,
You again applied through App It gave you Anumati option, you linked some account there and it gave you LE instantly. After 7-8 days of getting that LE you applied for PhonePe and even that got approved so may be no negative effect of that LE in getting the PhonePe card.

Can you suggest how much LE you requested earlier and now?

 

[Sree CC]

How to see the result of LE?
I got some service request email then nothing

You will get mail

So if I summarise,
For you in May - You applied for LE through App it didn’t gave you Anumati but straight up denied the request.

Now,
You again applied through App It gave you Anumati option, you linked some account there and it gave you LE instantly. After 7-8 days of getting that LE you applied for PhonePe and even that got approved so may be no negative effect of that LE in getting the PhonePe card.

Can you suggest how much LE you requested earlier and now?

Yes, LE approved on July 9th,
Previously I tried for 1.3 L.