HDFC Shoppers Stop Black Credit Card vs Axis Atlas Credit Card: premium cards compared
HDFC Shoppers Stop Black Credit Card costs ₹4,500 a year to keep; Axis Atlas Credit Card costs ₹5,000. On most spends, HDFC Shoppers Stop Black Credit Card returns about 2.00% and Axis Atlas Credit Card about 4.00%. Lounge visits: HDFC Shoppers Stop Black Credit Card gives 2 a year in India and 2 a year abroad; Axis Atlas Credit Card gives 8 a year and 4 a year. The income needed to apply is ₹12,00,000 a year for HDFC Shoppers Stop Black Credit Card and ₹9,00,000 for Axis Atlas Credit Card.
| HDFC Shoppers Stop Black Credit Card | Axis Atlas Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | ₹4,500 | ₹5,000 |
| Annual fee | ₹4,500 | ₹5,000 |
| Base return on spends | 2.00% | 4.00% |
| Domestic lounges | 2 a year | 8 a year |
| International lounges | 2 a year | 4 a year |
| Minimum income | ₹12,00,000 a year | ₹9,00,000 a year |
| Best for | retail, online_shopping | travel, flights, hotels |
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.
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