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SBI Cashback vs Shoppers Stop Black HDFC Bank Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

SBI Cashback Credit Card versus Shoppers Stop Black HDFC Bank Credit Card compared
FeatureSBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Shoppers Stop Black HDFC Bank Credit CardShoppers Stop Black HDFC Bank Credit CardHDFC Bank4 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping2% on most spends; 7% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping5%2%; 7% only at Shoppers Stop stores and shoppersstop.com
Dining and food delivery1%2%
Groceries1%Earns nothing
Travel: flights, hotels, trains1%2%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing2%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%2%
Everything else1%2%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tierMidPremium
Fees
Joining fee₹999 + GST₹4,500 + GST
Annual fee₹999 + GST₹4,500 + GST
Fee waived at₹2,00,000-
Eligibility
Min age-21 years
Max age-60 years
Employment typesameBOTHBOTH
Min monthly salary-₹70,000
Min credit score650-
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits-16
International lounge visits-8
Lounge condition-16 complimentary domestic lounge visits a year (4 per quarter) and 8 international visits a year (2 per quarter)
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
EligibilityAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants-
Documents neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photoPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)
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Worth in Rupees at ₹20,000 a Month

SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
Shoppers Stop Black HDFC Bank Credit Card
Rewards a year
₹4,800
Fee a year
- ₹5,310
You keep
- ₹510

At this spend, SBI Cashback Credit Card comes out ₹5,310 a year ahead of Shoppers Stop Black HDFC Bank Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites
Shoppers Stop Black HDFC Bank Credit Card
  • Regular Shoppers Stop customers
  • Frequent flyers
  • High spenders who want a strong flat rate

Watch-Outs

SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee
Shoppers Stop Black HDFC Bank Credit Card
  • Fee is charged every year with no waiver
  • The 7% rate is limited to one retailer
  • Needs a monthly income of about ₹70,000

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, SBI Cashback Credit Card or Shoppers Stop Black HDFC Bank Credit Card?

SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; Shoppers Stop Black HDFC Bank Credit Card: ₹4,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Cashback Credit Card has the lowest forex markup. SBI Cashback Credit Card: 3.5%; Shoppers Stop Black HDFC Bank Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Shoppers Stop Black HDFC Bank Credit Card 2%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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