HDFC Shoppers Stop Black Credit Card vs SBI Air India Signature Credit Card: premium cards compared
HDFC Shoppers Stop Black Credit Card costs ₹4,500 a year to keep; SBI Air India Signature Credit Card costs ₹4,999. Lounge visits: HDFC Shoppers Stop Black Credit Card gives 2 a year in India and 2 a year abroad; SBI Air India Signature Credit Card gives 8 a year and None. The income needed to apply is ₹12,00,000 a year for HDFC Shoppers Stop Black Credit Card and ₹7,20,000 for SBI Air India Signature Credit Card.
| HDFC Shoppers Stop Black Credit Card | SBI Air India Signature Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Joining fee | ₹4,500 | ₹4,999 |
| Annual fee | ₹4,500 | ₹4,999 |
| Base return on spends | 2.00% | 2.00% |
| Domestic lounges | 2 a year | 8 a year |
| International lounges | 2 a year | None |
| Minimum income | ₹12,00,000 a year | ₹7,20,000 a year |
| Best for | retail, online_shopping | flights, 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 · SBI Air India Signature Credit Card · Find a card for your spending
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