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| Feature | HDFC Bank Shoppers Stop Black HDFC Bank Credit Card | Standard Chartered India Standard Chartered Ultimate Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Standard Chartered India |
| Network | Visa | Mastercard |
| Annual fee | ₹4,500 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 2% | 3.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Duty-free cashback: ₹1,000/statement cycle |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year | 16 domestic airport lounge visits per year • 12 international airport lounge visits per year |
| Forex markup | 3.5% | 2% |
| 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. | High-spend users who want broad rewards, frequent airport lounge access and a lower forex markup. |
| 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 ₹5,000 renewal fee has no spend waiver. Selected everyday categories earn 2%, fuel earns no points, and Priority Pass use in India or beyond the qualified monthly international visit is chargeable. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
