HDFC Shoppers Stop Black Credit Card vs American Express Platinum ReserveSM Credit Card: premium cards compared
HDFC Shoppers Stop Black Credit Card costs ₹4,500 a year to keep; American Express Platinum ReserveSM Credit Card costs ₹10,000. On most spends, HDFC Shoppers Stop Black Credit Card returns about 2.00% and American Express Platinum ReserveSM Credit Card about 0.50%. Lounge visits: HDFC Shoppers Stop Black Credit Card gives 2 a year in India and 2 a year abroad; American Express Platinum ReserveSM Credit Card gives 12 a year and 2 a year. The income needed to apply is ₹12,00,000 a year for HDFC Shoppers Stop Black Credit Card and ₹6,00,000 for American Express Platinum ReserveSM Credit Card.
| HDFC Shoppers Stop Black Credit Card | American Express Platinum ReserveSM Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | American Express |
| Network | Visa | American Express |
| Joining fee | ₹4,500 | ₹5,000 |
| Annual fee | ₹4,500 | ₹10,000 |
| Base return on spends | 2.00% | 0.50% |
| Domestic lounges | 2 a year | 12 a year |
| International lounges | 2 a year | 2 a year |
| Minimum income | ₹12,00,000 a year | ₹6,00,000 a year |
| Best for | retail, online_shopping | dining, travel, online_shopping |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: HDFC Shoppers Stop Black Credit Card · American Express Platinum ReserveSM Credit Card · Find a card for your spending
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