Shoppers Stop HDFC Bank vs Standard Chartered Platinum Rewards
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Shoppers Stop HDFC Bank Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.1/10 vs 6.3/10.
| Feature | Shoppers Stop HDFC Bank | Standard Chartered Platinum Rewards |
|---|---|---|
| CardTrail Score | 7.1/10 | 6.3/10 |
| Annual Fee | ₹299 | Free |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 3% | 2.5% |
| Forex Markup | 1% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Shoppers Stop HDFC Bank
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- You want higher rewards — up to 3% vs 2.5%
- Your primary spend is: shopping, entry-level
When to Choose Standard Chartered Platinum Rewards
- You want a lifetime free card with zero annual cost
- Your primary spend is: rewards, shopping
Forex Cost Comparison
On ₹1,00,000 annual international spending: Shoppers Stop HDFC Bank costs ₹1,180 in forex fees vs Standard Chartered Platinum Rewards at ₹4,130. You save ₹2,950/year with Shoppers Stop HDFC Bank.
Annual Fee Value Analysis
To break even on Shoppers Stop HDFC Bank's ₹299 fee at 1% rewards, spend ₹2,492/month.
Standard Chartered Platinum Rewards is lifetime free — no break-even needed.