Axis Bank Select Credit Card vs Shoppers Stop Black HDFC Bank Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹3,000
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹4,500
Max Reward7%
Shoppers Stop Black HDFC Bank Credit Card leads overall with a CardCheck Score of 83/100 (+4 pts over Axis Bank Select Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs ShoppersReward Power
35%Axis35/35
Shoppers35/35
Tie (35/35)
Fee Value & ROI
25%Axis18/25
Shoppers18/25
Tie (18/25)
Lounge & Travel
20%Axis18/20
Shoppers18/20
Tie (18/20)
Forex & Access
20%Axis8/20
Shoppers12/20
Shoppers Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 83Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Mastercard
- Visa
- Card type
- Premium
- Premium
- Best for
- Premium rewards with international lounge access
- Shoppers Stop Black First Citizen — premium retail rewards with lounge access
03—Fees
- Joining fee
- ₹3,000Best
- ₹4,500
- Annual fee
- ₹3,000Best
- ₹4,500
- Fee waiver
- ₹6,00,000
- ₹5,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 2%Best
- Max rate
- 10%Best
- 7%
- Points / ₹100
- 10
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹20,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 4
- 4
- Intl lounge / year
- 4
- 8Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹75,000
- ₹1,00,000
- Min CIBIL
- 750
- 750
- Invite only
Rows won
03of 10
07of 10
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 83Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Mastercard | Visa |
| Card type | Premium | Premium |
| Best for | Premium rewards with international lounge access | Shoppers Stop Black First Citizen — premium retail rewards with lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹3,000Best | ₹4,500 |
| Annual fee | ₹3,000Best | ₹4,500 |
| Fee waiver | ₹6,00,000 | ₹5,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 2%Best |
| Max rate | 10%Best | 7% |
| Points / ₹100 | 10 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹20,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 4 | 4 |
| Intl lounge / year | 4 | 8Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹75,000 | ₹1,00,000 |
| Min CIBIL | 750 | 750 |
| Invite only | ||
| Rows won | 03of 10 | 07of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Select Credit Card | Shoppers Stop Black HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 83/100Excellent |
| Annual Fee | ₹3,000 | ₹4,500 |
| Fee Waiver Spend | ₹6L/yr | ₹5L/yr |
| Max Reward Potential | 10% | 7% |
| Domestic Lounge Access | 4 / quarter | 4 / quarter |
| International Lounge | 4 / year | 8 / year |
| Forex Markup Fee | 3.5% | 2% |
Choose Axis Bank Select Credit Card if:
Your spending centers around premium rewards with international lounge access and you want direct partner rewards with Axis Bank.
Choose Shoppers Stop Black HDFC Bank Credit Card if:
Your spending aligns with shoppers stop black first citizen — premium retail rewards with lounge access and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Axis Bank Select Credit Card vs Shoppers Stop Black HDFC Bank Credit Card
- Which is better: Axis Bank Select Credit Card or Shoppers Stop Black HDFC Bank Credit Card?
- Shoppers Stop Black HDFC Bank Credit Card holds a higher overall rating with a CardCheck Score of 83/100 (Excellent) compared to 79/100 (Very Good) for Axis Bank Select Credit Card (a lead of +4 points). Shoppers Stop Black HDFC Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Select Credit Card charges an annual fee of ₹3,000 with an annual spend threshold of ₹6 Lakh for renewal fee waiver. In comparison, Shoppers Stop Black HDFC Bank Credit Card charges an annual fee of ₹4,500 with an annual spend threshold of ₹5 Lakh.
- How do the reward rates and cashback compare between Axis Bank Select Credit Card and Shoppers Stop Black HDFC Bank Credit Card?
- Axis Bank Select Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, Shoppers Stop Black HDFC Bank Credit Card offers a base rate of 2% and up to 7% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Select Credit Card or Shoppers Stop Black HDFC Bank Credit Card?
- Axis Bank Select Credit Card provides 4 domestic lounge visit(s) per quarter and 4 international lounge visit(s)/yr. On the other hand, Shoppers Stop Black HDFC Bank Credit Card provides 4 domestic lounge visit(s) per quarter and 8 international lounge visit(s)/yr. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Select Credit Card levies a foreign currency markup fee of 3.5%, while Shoppers Stop Black HDFC Bank Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).