Black hole X-ray binaries are ideal environments to study the accretion phenomena in strong gravitational potentials. These systems undergo dramatic accretion state transitions and analysis of the X-ray spectra is used to probe the properties of the accretion disc and its evolution. In this work, we present a systematic investigation of 1800 spectra obtained by RXTE PCA observations of GRO J1655-40 and LMC X-3 to explore the nature of the accretion disc via non-relativistic and relativistic disc models describing the thermal emission in black-hole X-ray binaries. We demonstrate that the non-relativistic modelling throughout an outburst with the phenomenological multi-colour disc model DISKBB yields significantly lower and often unphysical inner disc radii and correspondingly higher (50-60%) disc temperatures compared to its relativistic counterparts KYNBB and KERRBB. We obtained the dimensionless spin parameters of and for GRO J1655-40 with KERRBB and KYNBB, respectively. We report a spin value of for LMC X-3 using the updated black hole mass of 6.98 . Both measurements are consistent with the previous studies. Using our results, we highlight the importance of self-consistent modelling of the thermal emission, especially when estimating the spin with the continuum-fitting method which assumes the disc terminates at the innermost stable circular orbit at all times.

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