HDFC Shoppers Stop Black Credit Card vs ICICI Emirates Skywards Sapphiro Credit Card: premium cards compared
HDFC Shoppers Stop Black Credit Card costs ₹4,500 a year to keep; ICICI Emirates Skywards Sapphiro Credit Card costs ₹5,000. On most spends, HDFC Shoppers Stop Black Credit Card returns about 2.00% and ICICI Emirates Skywards Sapphiro Credit Card about 1.27%. The income needed to apply is ₹12,00,000 a year for HDFC Shoppers Stop Black Credit Card and ₹18,00,000 for ICICI Emirates Skywards Sapphiro Credit Card.
| HDFC Shoppers Stop Black Credit Card | ICICI Emirates Skywards Sapphiro Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | ICICI Bank |
| Network | Visa | Visa |
| Joining fee | ₹4,500 | ₹5,000 |
| Annual fee | ₹4,500 | ₹5,000 |
| Base return on spends | 2.00% | 1.27% |
| Domestic lounges | 2 a year | 2 a year |
| International lounges | 2 a year | 2 a year |
| Minimum income | ₹12,00,000 a year | ₹18,00,000 a year |
| Best for | retail, online_shopping | travel |
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 · ICICI Emirates Skywards Sapphiro Credit Card · Find a card for your spending
Similar card comparisons
- HDFC 6E Rewards Indigo XL Credit Card vs HDFC Shoppers Stop Black Credit Card
- HDFC 6E Rewards Indigo XL Credit Card vs ICICI Emirates Skywards Sapphiro Credit Card
- HDFC Shoppers Stop Black Credit Card vs SBI Air India Signature Credit Card
- HDFC Shoppers Stop Black Credit Card vs SBI Club Vistara PRIME Credit Card