Sbi Card Tata Select Credit Card vs Shoppers Stop Hdfc Bank Credit Card: Which is Better in 2026?
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The Sbi Card Tata Select Credit Card and the Shoppers Stop Hdfc Bank Credit Card cater to different spending preferences with distinct reward structures and fees. The Tata Select card focuses on dining, international, and grocery spends with Empower Points, while the Shoppers Stop card targets shoppers with reward points primarily on Shoppers Stop purchases. Both cards charge similar forex fees and offer a 1% fuel surcharge waiver, but differ in lounge access and welcome benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Sbi Card Tata Select Credit Card | Shoppers Stop Hdfc Bank Credit Card |
|---|---|---|
| Bank | SBI Cards | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | — | Joining Fee of Rs.299 |
| Annual / renewal fee | Annual Fee of Rs.2999 | Renewal Fee of Rs.299 |
| Reward rate (headline) | Earn 3X Empower Points on International Spends | Earn 3% Reward points on every Shoppers Stop spends |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | — |
| Welcome benefit | Welcome Benefits - e- Gift Voucher Worth Rs.3000 | Welcome Gift Voucher Rs.500 From Shoppers Stop |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Tata Select Credit Card offers 3X Empower Points on dining, international spends, and departmental & grocery stores, making it a versatile option for varied spending categories. In contrast, the Shoppers Stop Hdfc Bank Credit Card provides 3% reward points only on Shoppers Stop spends with a monthly cap, and 1% on other spends, which limits its rewards scope outside the co-branded store. Therefore, the Tata Select card is better suited for users seeking higher rewards across multiple categories, while the Shoppers Stop card benefits frequent shoppers at Shoppers Stop.
Which is better for travel?
For travel-related benefits, the Tata Select card provides 8 complimentary domestic airport lounge accesses per year, which can enhance the travel experience for cardholders. The Shoppers Stop card does not offer any lounge access or explicit travel perks. Both cards have a 3.5% forex markup fee, which is standard but on the higher side for international transactions. Hence, the Tata Select card has a clear advantage for travel-focused users due to lounge access, despite similar forex charges.
Which has lower effective cost?
The Shoppers Stop Hdfc Bank Credit Card has a significantly lower joining and renewal fee of Rs.299 each, compared to the Tata Select card's Rs.2999 annual fee. Neither card explicitly mentions fee waivers, so the Tata Select's higher fee might be justified only if the cardholder utilizes its premium benefits extensively. For cost-conscious users or beginners, the Shoppers Stop card is more accessible due to its lower fees and simpler structure.
Co-brand Program and Redemption Flexibility
The Shoppers Stop Hdfc Bank Credit Card is co-branded with Shoppers Stop and offers reward points that can be redeemed for Shoppers Stop vouchers at a 1:1 ratio, along with other redemption options like travel and cashback. The Tata Select card uses Empower Points, which are earned across multiple categories but the redemption details are not specified here. This makes the Shoppers Stop card more straightforward for users loyal to the store.
Welcome Benefits Comparison
The Tata Select card provides a welcome e-gift voucher worth Rs.3000, which is substantially higher in value compared to the Shoppers Stop card's Rs.500 voucher and complimentary Silver Edge membership. This upfront benefit could offset the higher fee for new cardholders who utilize it.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you spend frequently on dining, international transactions, and groceries, and value domestic airport lounge access. This card suits users looking for a broader reward program with Empower Points and are comfortable paying a higher annual fee for premium benefits and welcome vouchers.
Who should pick Shoppers Stop Hdfc Bank Credit Card?
Consider Shoppers Stop Hdfc Bank Credit Card if you are a regular shopper at Shoppers Stop and prefer a card with a low joining and renewal fee. This card is ideal for users who want straightforward rewards on store spends and a complimentary Silver Edge membership, making it suitable for beginners or those focused on retail shopping benefits.
Frequently Asked Questions
The Sbi Card Tata Select Credit Card has an annual fee of Rs.2999, while the Shoppers Stop Hdfc Bank Credit Card charges Rs.299 for both joining and renewal.
Only the Sbi Card Tata Select Credit Card offers airport lounge access with 8 complimentary domestic lounge visits per year. The Shoppers Stop Hdfc Bank Credit Card does not provide lounge access.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Sbi Card Tata Select Credit Card offers 3X Empower Points on dining and grocery stores, whereas the Shoppers Stop Hdfc Bank Credit Card focuses rewards primarily on Shoppers Stop spends.
Both cards provide a 1% fuel surcharge waiver on fuel transactions.
The Tata Select card offers a welcome e-gift voucher worth Rs.3000, while the Shoppers Stop card provides a Rs.500 voucher and complimentary Silver Edge membership.