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| Feature | SBI Card Reliance SBI Card PRIME | HDFC Bank Shoppers Stop Black HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | RuPay | Visa |
| Annual fee | ₹2,999 + GST per year | ₹4,500 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.5% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 1.3% · International incremental points | 2% · Other eligible purchases |
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 | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹70,000/month |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Higher-spend Reliance customers who travel, dine and watch movies regularly. | Frequent Shoppers Stop customers who travel often enough to value the lounge package. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
