Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank Shoppers Stop HDFC Bank Credit Card | BOBCARD BOBCARD Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | BOBCARD |
| Network | RuPay | Visa |
| Annual fee | ₹299 + GST per year | ₹750 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹70,000 annual spending |
| Base reward rate | 1% | 0.2% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Shoppers Stop regulars seeking a low-fee RuPay co-brand card. | Online-first households with recurring dining spend that also want a RuPay card. |
| Main trade-off | No renewal-fee waiver is published. Transactions below ₹150 earn nothing; store and base earnings have separate monthly caps, and ₹1 per point applies only to Shoppers Stop voucher redemption. | The zero joining fee is the offer effective September 1, 2026. BOBCARD currently lists Visa and Mastercard variants rather than RuPay; renewal costs ₹750 if the waiver is missed, and former accident cover ended August 25, 2026. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
