Fabindia SBI Card vs Shoppers Stop HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Fabindia SBI Card wins 2 of 8 dimensions with a CardTrail Score of 7.2/10 vs 7.1/10.
| Feature | Fabindia SBI Card | Shoppers Stop HDFC Bank |
|---|---|---|
| CardTrail Score | 7.2/10 | 7.1/10 |
| Annual Fee | ₹499 | ₹299 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 5% | 3% |
| Forex Markup | 3.5% | 1% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Fabindia SBI Card
- You can meet the fee waiver condition: Spend Rs 1L/year
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: shopping, fabindia
When to Choose Shoppers Stop HDFC Bank
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- Your primary spend is: shopping, entry-level
Forex Cost Comparison
On ₹1,00,000 annual international spending: Fabindia SBI Card costs ₹4,130 in forex fees vs Shoppers Stop HDFC Bank at ₹1,180. You save ₹2,950/year with Shoppers Stop HDFC Bank.
Annual Fee Value Analysis
To break even on Fabindia SBI Card's ₹499 fee at 1% rewards, spend ₹4,158/month.
To break even on Shoppers Stop HDFC Bank's ₹299 fee at 1% rewards, spend ₹2,492/month.