SBI Card Tata Select Credit Card vs Shoppers Stop HDFC Bank Credit Card: Which is Better in 2026?
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In short: HDFC Shoppers Stop has the lower annual fee (₹299 vs ₹2,999); both charge a 3.5% forex markup.
| Key facts | SBI Tata Select | HDFC Shoppers Stop |
|---|---|---|
| Annual fee | ₹2,999 | ₹299 |
| Joining fee | Not listed | ₹299 |
| Top reward rate | Upto 5% Value Back on Spends on Tata Outlets | 3% Reward points on every Shoppers Stop spends |
| Base rewards | 1 Empower Point on Retail | 1% Reward Points on Every Non-Shoppers Stop Spends |
| Lounge access | 8 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 25 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Shoppers Stop returns about ₹1,500 more a year after annual fees (₹3,600 vs ₹4,800 in rewards).
| Spend profile | SBI Tata Select | HDFC Shoppers Stop |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 3% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹3,600 |
| Annual fee | ₹2,999 | ₹299 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Shoppers Stop Hdfc Bank Credit Card lists a lower headline annual fee in our data (around ₹2,700 apart), before waivers. Sbi Card Tata Select Credit Card shows a stronger headline earn rate in the first reward band we surface. Sbi Card Tata Select Credit Card currently has more lounge detail available from the issuer data we index. Always confirm current fees and offers on the issuer’s site before you apply.
Last updated:
| 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 |
| Top reward rate | Get Upto 5% Value Back on Spends on Tata Outlets | Earn 3% Reward points on every Shoppers Stop spends |
| Base rate (other spends) | Earn 1 Empower Point on Retail | Earn 1% Reward Points on Every Non-Shoppers Stop Spends |
| Lounge — domestic | 8 Complimentary Airport Lounge Access Per Year | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefits - e- Gift Voucher Worth Rs.3000 | Welcome Gift Voucher Rs.500 From Shoppers Stop |
| Milestone benefit | Anniversary Gift - Spends of Rs.2 Lakhs in the Previous Year; Get Rewards on Annual Spending of Rs. 4 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
Sbi Card Tata Select Credit Card shows a higher headline earn signal in the reward summaries we index (Get Upto 5% Value Back on Spends on Tata Outlets vs Earn 3% Reward points on every Shoppers Stop spends). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Sbi Card Tata Select Credit Card has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Shoppers Stop Hdfc Bank Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you already bank with SBI Cards, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Shoppers Stop Hdfc Bank Credit Card?
Consider Shoppers Stop Hdfc Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Sbi Card Tata Select Credit Card — domestic: 8 Complimentary Airport Lounge Access Per Year; international: —. Shoppers Stop Hdfc Bank Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the SBI Cards and HDFC Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹299 vs ₹2,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the SBI Cards and HDFC Bank websites for the final number.
On the first reward band we surface, Sbi Card Tata Select Credit Card shows a stronger headline earn (Get Upto 5% Value Back on Spends on Tata Outlets vs Earn 3% Reward points on every Shoppers Stop spends). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Our benefit feed did not include waiver text for both cards in this comparison. Use the “Annual fee waiver” row in the table and the SBI Cards and HDFC Bank websites for spend-based waiver conditions.
Sbi Card Tata Select Credit Card: 3.5% - Foreign Currency Transactions Shoppers Stop Hdfc Bank Credit Card: 3.50% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the SBI Cards and HDFC Bank websites.
Sbi Card Tata Select Credit Card: Welcome Benefits - e- Gift Voucher Worth Rs.3000 Shoppers Stop Hdfc Bank Credit Card: Welcome Gift Voucher Rs.500 From Shoppers Stop Welcome campaigns are time-bound — verify eligibility and fulfilment on the SBI Cards and HDFC Bank websites.