1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs SBI Card PhonePe SBI SELECT BLACK Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the SBI Card PhonePe SBI SELECT BLACK. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick PhonePe SBI SELECT BLACK for upi.
Head-to-head
Three core metrics- Annual fee IndiGo saves ₹700/yrIndiGo ₹799 Annual-fee waiver not offeredPhonePe SBI SELECT BLACK ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup IndiGo 3.5%PhonePe SBI SELECT BLACK 3.5%
- Domestic lounge IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsPhonePe SBI SELECT BLACK 4/year (1 per quarter)
Reward earning explained
Per card1 pt / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs SBI Card PhonePe SBI SELECT BLACK: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). SBI Card PhonePe SBI SELECT BLACK conservative base value ~1% per ₹100.
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upi SBI Card PhonePe SBI SELECT BLACK wins SBI Card PhonePe SBI SELECT BLACK is better for UPI usage
SBI Card PhonePe SBI SELECT BLACK is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- PhonePe SBI SELECT BLACK: ~₹500/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | PhonePe SBI SELECT BLACK SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 4/year (1 per quarter) | 4/year (1 per quarter) |
| International lounge visits Only available for PhonePe SBI SELECT BLACK | Not specified | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹1,499 | ₹799 | ₹1,499 |
| Annual-fee waiver Not offered vs ₹3,00,000 | Not offered | ₹3,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹500–₹4,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. | 1 pt / ₹100 | 1 pt / ₹100 |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs 1,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | 1,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend |
| Point validity Only available for PhonePe SBI SELECT BLACK | Not specified | 2 years |
Notes
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteSBI Card PhonePe SBI SELECT BLACK
Verify with issuer , opens external site