Axis Bank Shoppers Stop Credit Card VS First Citizen Citi Credit Card VS Shoppers Stop Black HDFC Bank Credit Card VS Shoppers Stop HDFC Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank Shoppers Stop Credit Card
First Citizen Citi Credit Card
Shoppers Stop Black HDFC Bank Credit Card
Shoppers Stop HDFC Bank Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy zero redemption fees, making your reward points fully valuable.
Annual fee waived upon spending ₹1 lakh or more in the preceding year.
Earn accelerated reward points and exclusive benefits at Shoppers Stop.
Benefit from a 15% instant discount on dining via EazyDiner.
Globally accepted, this card facilitates international transactions seamlessly.
Pros
Key benefits and features.
High reward point value (1 First Citizen RP = Rs. 0.60) for significant savings.
Instant and flexible redemption options at Shoppers Stop and partner brands.
Nominal annual fee easily waived with reasonable annual spending threshold.
Offers diverse savings across shopping, dining, and travel categories.
First Citizen Reward Points never expire, ensuring long-term value.
Pros
Key benefits and features.
High reward rate of 7% on Shoppers Stop purchases, maximizing savings.
Complimentary Shoppers Stop Black membership worth ₹4,500 adds significant value.
Generous lounge access with 16 domestic and 8 international visits annually.
Comprehensive insurance benefits including accidental air death cover up to ₹3 crore.
Flexibility to convert large transactions into SmartEMI with attractive interest rates.
Pros
Key benefits and features.
Seamlessly link your RuPay credit card to make convenient UPI payments.
Receive a valuable ₹500 Shoppers Stop voucher as a welcome benefit upon card activation.
Enjoy a complimentary Shoppers Stop Silver Edge Membership, enhancing your shopping experience.
Earn accelerated 3% Reward Points on all your purchases made at Shoppers Stop outlets.
Benefit from a 1% fuel surcharge waiver, saving you money on your regular fuel expenses.
Cons
Key drawbacks and limitations.
Does not provide any airport lounge access (domestic or international).
Reward points are primarily limited to Shoppers Stop outlets (online/offline) and partner brands.
Foreign transaction charges apply for international transactions.
Cons
Key drawbacks and limitations.
Lacks premium travel benefits like complimentary domestic or international lounge access.
Limited general spending rewards, with only 2 RP per Rs. 200 on non-partner spends.
High foreign currency markup of 3.5% makes international spending expensive.
No specific insurance or golf benefits are provided with this credit card.
Benefits are heavily concentrated on Shoppers Stop, limiting broader utility.
Cons
Key drawbacks and limitations.
High joining and annual fee of ₹4,500 + GST makes it a premium card.
Absence of explicit dining or movie benefits limits lifestyle perks.
Reward point caps on various spending categories restrict earning potential.
A foreign currency markup of 3.5% makes international spends costly.
A reward redemption fee applies, reducing the net value of earned points.
Cons
Key drawbacks and limitations.
The Shoppers Stop HDFC Bank Credit Card does not offer any complimentary golfing benefits.
Cardholders will not receive any complimentary access to domestic or international airport lounges.
The card charges a relatively high foreign currency markup of 3.5% plus GST on international transactions.
A rewards redemption fee of ₹99 plus GST is applicable each time you redeem your accumulated points.
The monthly interest rate of 3.75% (45% annually) is quite high if balances are not paid on time.