PhonePe SBI SELECT BLACK vs PhonePe HDFC Bank Ultimo Credit Card
Compare PhonePe SBI SELECT BLACK and PhonePe HDFC Bank Ultimo Credit Card on PhonePe rewards, bill payments, travel, UPI, fees, lounge access and best users.
PhonePe SBI Card SELECT BLACK
A PhonePe-heavy rewards card for bill payments, recharge, in-app travel and broad online shopping.
PhonePe HDFC Bank Ultimo Credit Card
A mid-fee PhonePe card for utility payments, recharge, PhonePe in-app travel, UPI and selected online merchants.
Quick Verdict
Choose PhonePe SBI SELECT BLACK if you want higher PhonePe-linked rewards and SBI Card ecosystem value. Choose PhonePe HDFC Ultimo if you want lower fee and domestic lounge access with PhonePe utility benefits.
Side-by-Side Comparison
Compare both cards on fees, rewards, lounge access, use cases and overall value.
| Feature | PhonePe SBI Card SELECT BLACK | PhonePe HDFC Bank Ultimo Credit Card | Better Choice |
|---|---|---|---|
| Best use case | PhonePe bill payments, recharge, travel and broad online spends | PhonePe utility, travel, selected online merchants and UPI | Depends on spend level |
| Annual fee | Rs. 1499 with waiver condition | Rs. 999 with waiver condition | PhonePe HDFC Ultimo |
| PhonePe rewards | Higher selected PhonePe reward-point cap shown | Lower selected PhonePe reward-point cap shown | PhonePe SBI SELECT BLACK |
| Selected online merchants | Useful across Amazon, Flipkart, Swiggy, Zomato, Myntra, Nykaa and more | Useful across selected merchants like Amazon, Flipkart, Swiggy, Zomato, Myntra and Uber | PhonePe SBI SELECT BLACK |
| UPI / Scan & Pay | 1% rewards on other spends including Scan & Pay | 1% reward points on Scan & Pay subject to cap | Tie |
| Domestic lounge | 4 domestic visits per year shown | 8 domestic visits per year subject to spend condition | PhonePe HDFC Ultimo for visit count |
| Fee comfort | Higher fee | Lower fee | PhonePe HDFC Ultimo |
| Overall | Better for heavy PhonePe users | Better for moderate PhonePe users wanting lower fee | Depends on PhonePe spend |
Fees, Rewards and Lounge Access
Important details you should check before deciding between these two cards.
PhonePe SBI Card SELECT BLACK
Annual fee: ₹ 1499, Annual fee waiver on spending above ₹ 3 Lakh in a year.
Best for: Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery
Lounge: 4 domestic visits per year as per current CardBachat data; no international lounge access shown.
- 10% reward points on selected PhonePe spends subject to cap.
- 5% reward points on selected online spends subject to cap.
- 1% reward points on other spends including Scan & Pay.
PhonePe HDFC Bank Ultimo Credit Card
Annual fee: ₹ 999, Annual fee waiver on spending above ₹ 2 Lakh in a year.
Best for: Utility Bill Payments, Travel, Shopping, Grocery, Food Delivery
Lounge: 8 domestic visits per year subject to spend condition; no international lounge access shown.
- 10% reward points on selected PhonePe spends subject to cap.
- 5% reward points on selected merchants like Amazon, Flipkart, Swiggy, Zomato, Myntra and Uber.
- 1% reward points on Scan & Pay subject to cap.
Which Card Should You Choose?
Pick the card that matches your actual monthly spending pattern.
Choose PhonePe SBI Card SELECT BLACK if
Choose PhonePe HDFC Bank Ultimo Credit Card if
Pros and Cons
A quick view of strengths and limitations of both cards.
PhonePe SBI Card SELECT BLACK: Pros
PhonePe SBI Card SELECT BLACK: Cons
PhonePe HDFC Bank Ultimo Credit Card: Pros
PhonePe HDFC Bank Ultimo Credit Card: Cons
Final Recommendation
PhonePe SBI SELECT BLACK is stronger for high PhonePe usage. PhonePe HDFC Ultimo is easier to justify for mid-level spenders.
Related Card Pages
Read detailed reviews before choosing your card.
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Find My Best Card →Frequently Asked Questions
Quick answers before you compare or apply.
Which is better: PhonePe SBI Card SELECT BLACK or PhonePe HDFC Bank Ultimo Credit Card?
PhonePe SBI SELECT BLACK is stronger for high PhonePe usage. PhonePe HDFC Ultimo is easier to justify for mid-level spenders.
Who should choose PhonePe SBI Card SELECT BLACK?
You use PhonePe heavily for bills, recharge and travel. You want higher PhonePe-linked reward potential. You can justify the higher annual fee.
Who should choose PhonePe HDFC Bank Ultimo Credit Card?
You want a lower-fee PhonePe card. You use PhonePe regularly but not extremely heavily. You value domestic lounge access subject to spend condition.
Should I verify latest card terms before applying?
Yes. Credit card fees, rewards, cashback caps, lounge access and eligibility can change. Always verify the latest terms with the bank before applying.