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| Feature | HDFC Bank Shoppers Stop Black HDFC Bank Credit Card | SBI Card Reliance SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | SBI Card |
| Network | Visa | RuPay |
| Annual fee | ₹4,500 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹3,00,000 annual spending |
| Base reward rate | 2% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 2% · Other eligible purchases | 1.3% · International incremental points |
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 | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹70,000/month | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent Shoppers Stop customers who travel often enough to value the lounge package. | Higher-spend Reliance customers who travel, dine and watch movies regularly. |
| Main trade-off | Cash redemption values points at only ₹0.20; the ₹1 rate is for Shoppers Stop vouchers. Store and non-store earn have separate monthly caps, and no annual-fee waiver is published. | The best rates require exact Reliance merchants or published MCCs. UPI at participating Reliance stores earns 0.5%, and Reliance-only milestone vouchers are not inferred from broad category totals. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
