HDFC Regalia Gold vs HDFC Shoppers Stop Black
Detailed comparison of these two popular credit cards
Winner
HDFC Regalia Gold
HDFC Bank
PremiumVS
HDFC Shoppers Stop Black
HDFC Bank
Mid-RangeAnnual Fee
₹3K vs ₹5K
Effective Rate
(cash value)
1.3% vs 0.3%
Lounge Access
12/year vs None
Detailed Comparison
| Feature | HDFC Regalia Gold | HDFC Shoppers Stop Black |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | ₹5K |
| Annual Fee | ₹3K | ₹5K |
| Fee Waiver | Spend ₹4L annually | Spend ₹2L annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.33% | 0.33% |
Lounge Access | ||
| Domestic Lounges | 12/year | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹4.8L |
HDFC Regalia Gold is Best For
Mid-tier spenders wanting lounge access
Watch Out
- • Devalued from original Regalia benefits
HDFC Shoppers Stop Black is Best For
Shoppers Stop loyal customers
View HDFC Shoppers Stop Black DetailsOur Verdict
Based on overall features and value,
HDFC Regalia Gold wins!
Score: 51vsScore: 16
