Shoppers Stop BLACK Credit Card
Rs 4,500Annual fee
16Domestic lounge
Domestic lounge conditions
- 16 complimentary domestic lounge visits per calendar year (max 4 per quarter).
- 8 complimentary international lounge visits per calendar year (max 2 per quarter).
3.5%Forex markup
Best for
Shoppers Stop, Shopping, Premium Lifestyle, Lounge
Top rewards
Shoppers Stop Spends: 7% Reward Points; Other Spends: 2% Reward Points
Regalia Gold Credit Card
Rs 2,500Annual fee
Rs 4,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits per year (max 3 per quarter).
- From 1 July 2026 access is spend-gated: requires ₹60,000 of spend in the preceding calendar quarter to unlock the next quarter.
- Complimentary Priority Pass membership on request after 4 retail transactions.
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST.
2%Forex markup
Best for
Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards
Top rewards
SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy)
| Feature | Shoppers Stop BLACK Credit Card | Regalia Gold Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HDFC Bank |
| Network | Visa | Visa, Mastercard |
| Joining fee | Rs 4,500 | Rs 2,500 |
| Annual fee | Rs 4,500 | Rs 2,500 |
| Fee waiver spend | - | Rs 4,00,000 |
| Reward type | Reward Points | Reward Points |
| Best for | Shoppers Stop, Shopping, Premium Lifestyle, Lounge | Travel, Lounge, Lifestyle, SmartBuy, Premium Rewards |
| Top reward categories | Shoppers Stop Spends: 7% Reward Points; Other Spends: 2% Reward Points | SmartBuy Hotels: Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy); SmartBuy Flights: Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy); SmartBuy Gyftr: Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy) |
| SmartBuy / accelerated caps | Not Listed | SmartBuy Hotels: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Flights: Daily 2,000 Reward Points, Monthly 4,000 Reward Points; SmartBuy Gyftr: Daily 2,000 Reward Points, Monthly 3,000 Reward Points; SmartBuy Train: Daily 2,000 Reward Points, Monthly 4,000 Reward Points |
| Domestic lounge | 16 | 12 |
| International lounge | 8 | 6 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Not Listed | ₹5,000 worth flight vouchers on spends of ₹5 lakh, ₹5,000 worth flight vouchers on spends of ₹7.5 lakh, ₹1,500 worth Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh, Renewal fee waived on annual spends of ₹4 lakh |
| Redemption | SmartBuy travel: upto ₹ 0.5 per point; Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.2 per point | SmartBuy travel: upto ₹ 0.5 per point; Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.2 per point |
| Key exclusions | Fuel transactions, Rent payments, Utility bill payments, Insurance premium payments, EMI transactions, Government-related transactions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |