On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and IDFC FIRST Hello Cashback Credit Card about ₹10,080: a gap of ₹8,280. Points counted as cashback.
| Monthly card spend | IDFC FIRST Hello Cashback Credit Card | PhonePe SBI Card SELECT BLACK |
|---|---|---|
| ₹20,000 | ₹3,960 | ₹5,749 |
| ₹50,000 | ₹10,080 | ₹18,360 |
| ₹1,20,000 | ₹19,740 | ₹33,668 |
| Spending | IDFC FIRST Hello Cashback Credit Card | PhonePe SBI Card SELECT BLACK |
|---|---|---|
| Online shopping | ₹3,600 (3%) | ₹6,000 (5%) |
| Groceries | ₹960 (1%) | ₹960 (1%) |
| Food delivery | ₹1,440 (3%) | ₹2,400 (5%) |
| Dining out | ₹480 (1%) | ₹480 (1%) |
| Fuel | ₹0 (0%) | ₹0 (0%) |
| Bills & utilities | ₹600 (1%) | ₹4,920 (10%) |
| Travel & flights | ₹1,800 (3%) | ₹3,000 (5%) |
| UPI payments | ₹600 (1%) | ₹0 (0%) |
| Everything else | ₹600 (1%) | ₹600 (1%) |
| IDFC FIRST Hello Cashback Credit Card | PhonePe SBI Card SELECT BLACK | |
|---|---|---|
| Annual fee | ₹1,000 | ₹1,499 |
| Fee waived at | ₹2,00,000 a year | ₹3,00,000 a year |
| Foreign markup | 0% | 1.99% |
IDFC FIRST Hello Cashback Credit Card · PhonePe SBI Card SELECT BLACK · Compare on your own spending
On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and IDFC FIRST Hello Cashback Credit Card about ₹10,080: a gap of ₹8,280. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.
At ₹20,000 a month: IDFC FIRST Hello Cashback Credit Card ₹3,960, PhonePe SBI Card SELECT BLACK ₹5,749. At ₹50,000 a month: IDFC FIRST Hello Cashback Credit Card ₹10,080, PhonePe SBI Card SELECT BLACK ₹18,360. At ₹1,20,000 a month: IDFC FIRST Hello Cashback Credit Card ₹19,740, PhonePe SBI Card SELECT BLACK ₹33,668.
Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.