CARD VS CARD · 28 APPS COMPARED
IRCTC SBI vs PhonePe SBI Black
IRCTC SBI wins on 1 apps, PhonePe SBI Black on 26. IRCTC SBI for Airtel Thanks; PhonePe SBI Black for AJIO and Amazon.
They earn the same on 1 app.
App by app
Biggest differences first. Blue marks the card that earns more.
AJIO0.8%5%min ₹100
Amazon0.8%5%min ₹100
Apollo 24|70.8%5%min ₹100
BigBasket0.8%5%min ₹100
Blinkit0.8%5%min ₹100
BookMyShow0.8%5%min ₹100
Cleartrip0.8%5%min ₹100
District0.8%5%min ₹100
Domino's0.8%5%min ₹100
Flipkart0.8%5%min ₹100
Goibibo0.8%5%min ₹100
ixigo0.8%5%min ₹100
JioMart0.8%5%min ₹100
MakeMyTrip0.8%5%min ₹100
Meesho0.8%5%min ₹100
Myntra0.8%5%min ₹100
Nykaa0.8%5%min ₹100
PVR INOX0.8%5%min ₹100
Reliance Digital0.8%5%min ₹100
Swiggy0.8%5%min ₹100
Swiggy Instamart0.8%5%min ₹100
Tata CLiQ0.8%5%min ₹100
Tata Neu0.8%5%min ₹100
Uber0.8%5%min ₹100
Zepto0.8%5%min ₹100
Zomato0.8%5%min ₹100
Airtel Thanks0.8%0%
IRCTC Rail Connect3.82%3.82%min ₹100
Questions people ask
Which is better, IRCTC SBI or PhonePe SBI Black?
IRCTC SBI earns more on 1 of the 28 apps Pickkard covers, PhonePe SBI Black on 26, and they earn the same on 1. Choose IRCTC SBI if you spend most on Airtel Thanks. Choose PhonePe SBI Black if you spend most on AJIO, Amazon and Apollo 24|7. IRCTC SBI has the lower annual fee (₹500 against ₹1,499).
Which has the lower fees, IRCTC SBI or PhonePe SBI Black?
IRCTC SBI: joining ₹500, annual ₹500. PhonePe SBI Black: joining ₹1,499, annual ₹1,499 (Renewal fee reversed on annual retail spends of ₹3 lakh in the previous year.).
Can I use both IRCTC SBI and PhonePe SBI Black?
Yes. Many people keep both and use each where it earns more: IRCTC SBI on Airtel Thanks, PhonePe SBI Black on AJIO, Amazon and Apollo 24|7. Pickkard tells you which one to use each time you open a shopping app.
Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.