CARD VS CARD · 28 APPS COMPARED
PhonePe SBI Black vs Cashback SBI
PhonePe SBI Black wins on 2 apps, Cashback SBI on 0.
They earn the same on 26 apps.
App by app
Biggest differences first. Blue marks the card that earns more.
ixigo5%min ₹1000%
IRCTC Rail Connect3.82%min ₹1000%
Airtel Thanks0%0%
AJIO5%min ₹1005%min ₹100
Amazon5%min ₹1005%min ₹100
Apollo 24|75%min ₹1005%min ₹100
BigBasket5%min ₹1005%min ₹100
Blinkit5%min ₹1005%min ₹100
BookMyShow5%min ₹1005%min ₹100
Cleartrip5%min ₹1005%min ₹100
District5%min ₹1005%min ₹100
Domino's5%min ₹1005%min ₹100
Flipkart5%min ₹1005%min ₹100
Goibibo5%min ₹1005%min ₹100
JioMart5%min ₹1005%min ₹100
MakeMyTrip5%min ₹1005%min ₹100
Meesho5%min ₹1005%min ₹100
Myntra5%min ₹1005%min ₹100
Nykaa5%min ₹1005%min ₹100
PVR INOX5%min ₹1005%min ₹100
Reliance Digital5%min ₹1005%min ₹100
Swiggy5%min ₹1005%min ₹100
Swiggy Instamart5%min ₹1005%min ₹100
Tata CLiQ5%min ₹1005%min ₹100
Tata Neu5%min ₹1005%min ₹100
Uber5%min ₹1005%min ₹100
Zepto5%min ₹1005%min ₹100
Zomato5%min ₹1005%min ₹100
Questions people ask
Which is better, PhonePe SBI Black or Cashback SBI?
PhonePe SBI Black earns more on 2 of the 28 apps Pickkard covers, Cashback SBI on 0, and they earn the same on 26. Choose PhonePe SBI Black if you spend most on ixigo and IRCTC Rail Connect. Cashback SBI has the lower annual fee (₹999 against ₹1,499).
Which has the lower fees, PhonePe SBI Black or Cashback SBI?
PhonePe SBI Black: joining ₹1,499, annual ₹1,499 (Renewal fee reversed on annual retail spends of ₹3 lakh in the previous year.). Cashback SBI: joining ₹999, annual ₹999 (Renewal fee reversed after ₹2,00,000 of spend in the previous card year.).
Can I use both PhonePe SBI Black and Cashback SBI?
Yes. Many people keep both and use each where it earns more: PhonePe SBI Black on ixigo and IRCTC Rail Connect, Cashback SBI on the apps marked above. 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.