IDBI Euphoria vs Shoppers Stop Black HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Shoppers Stop Black HDFC Bank Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.1/10 vs 7.9/10.
| Feature | IDBI Euphoria | Shoppers Stop Black HDFC Bank |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.1/10 |
| Annual Fee | ₹1,499 | ₹4,500 |
| Base Reward Rate | 3% | 2% |
| Max Reward Rate | 6% | 7% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | -1 | 4 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa |
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- Your primary spend is: travel, lounge, rewards
When to Choose Shoppers Stop Black HDFC Bank
- You want higher rewards — up to 7% vs 6%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: shopping, lifestyle, lounge
Annual Fee Value Analysis
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.
To break even on Shoppers Stop Black HDFC Bank's ₹4,500 fee at 2% rewards, spend ₹18,750/month.