Adani One ICICI Bank Signature vs Shoppers Stop Black HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.1/10 — your spending pattern decides the winner.
| Feature | Adani One ICICI Bank Signature | Shoppers Stop Black HDFC Bank |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.1/10 |
| Annual Fee | ₹5,000 | ₹4,500 |
| Base Reward Rate | 1.5% | 2% |
| Max Reward Rate | 7% | 7% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 16 | 4 |
| International Lounges | 2 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose Adani One ICICI Bank Signature
- You can meet the fee waiver condition: Spend ₹6 lakh in a year
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: shopping, travel
When to Choose Shoppers Stop Black HDFC Bank
- Your primary spend is: shopping, lifestyle, lounge
Annual Fee Value Analysis
To break even on Adani One ICICI Bank Signature's ₹5,000 fee at 1.5% rewards, spend ₹27,778/month.
To break even on Shoppers Stop Black HDFC Bank's ₹4,500 fee at 2% rewards, spend ₹18,750/month.