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| Feature | HDFC Bank Shoppers Stop Black HDFC Bank Credit Card | YES BANK YES BANK MARQUEE Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | YES BANK |
| Network | Visa | Visa |
| Annual fee | ₹4,500 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹10,00,000 annual spending |
| Base reward rate | 2% | 2.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 2% · Other eligible purchases | 4.5% · Eligible online rewards |
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 | Not eligible |
| Airport lounge access | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year | 24 domestic airport lounge visits per year • Unlimited international airport lounge visits |
| Forex markup | 3.5% | 1% |
| Monthly income requirement | Approx. ₹70,000/month | Not listed |
| Terms verified | 23 Sept 2026 | 21 Sept 2026 |
| Best suited to | Frequent Shoppers Stop customers who travel often enough to value the lounge package. | Frequent international travellers who want unlimited international airport lounge access without a super-premium fee. |
| 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 strongest earn rate depends on an eligible online transaction. Points are worth up to ₹0.25, a redemption fee applies, and numerous regulated or quasi-cash categories earn no points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
