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| Feature | SBI Card Reliance SBI Card | HDFC Bank Shoppers Stop HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹499 + GST per year | ₹299 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 1% |
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 | Eligible for merchant UPI payments |
| 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 | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Regular AJIO, JioMart and Reliance Retail shoppers seeking an entry-level RuPay card. | Shoppers Stop regulars seeking a low-fee RuPay co-brand card. |
| Main trade-off | Reliance rates require the exact participating merchant and payment rail. UPI at participating Reliance stores earns only the 0.25% base value, and milestone vouchers require Reliance Retail spend that the broad category model cannot safely infer. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
