SBI Flipkart 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.
| Feature |  SBI Flipkart Credit CardState Bank of India2 recent changes → |  Shoppers Stop Black HDFC Bank Credit CardHDFC Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 7.5% only at partner merchants | 2% on most spends; 7% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 2% | |
| Online shopping | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | 2%; 7% only at Shoppers Stop stores and shoppersstop.com | |
| Dining and food delivery | 1% | 2% | |
| Groceries | 1% | Earns nothing | |
| Travel: flights, hotels, trains | 1%; 5% only at Cleartrip | 2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 2% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | Earns nothing | 2% | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | 2% | |
| Everything else | 1% | 2% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Network | Mastercard | RuPay | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹4,500 + GST | |
| Annual fee | ₹500 + GST | ₹4,500 + GST | |
| Fee waived at | ₹3,50,000 | - | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹70,000 | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| 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 markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
- Rewards a year
- ₹4,800
- Fee a year
- - ₹5,310
- You keep
- - ₹510
At this spend, SBI Flipkart Credit Card comes out ₹2,320 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
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
- Regular Shoppers Stop customers
- Frequent flyers
- High spenders who want a strong flat rate
Watch-Outs
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
- 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 (SBI Flipkart Credit Card, Shoppers Stop Black HDFC Bank Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Flipkart Credit Card or Shoppers Stop Black HDFC Bank Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; 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 Flipkart Credit Card has the lowest forex markup. SBI Flipkart 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 Flipkart 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.
Work Out the Numbers
Other Comparisons
- SBI Flipkart Credit Card vs HSBC Live Plus Credit CardSide by side →
- SBI Flipkart Credit Card vs SBI Cashback Credit CardSide by side →
- SBI Flipkart Credit Card vs YES BANK POP-CLUB Credit CardSide by side →
- Shoppers Stop Black HDFC Bank Credit Card vs HSBC Live Plus Credit CardSide by side →
- Shoppers Stop Black HDFC Bank Credit Card vs SBI Cashback Credit CardSide by side →
- Shoppers Stop Black HDFC Bank Credit Card vs YES BANK POP-CLUB Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
