MyFinCards
Shoppers Stop Black HDFC Bank Credit Card

Joining Fee

₹4,500

Annual Fee

Rs. 4500 + Taxes

Forex Markup

1% + GST

INTERNATIONAL
HDFC Bank
Shopping
Lifestyle
Rewards
Best For: Frequent Shoppers Stop shoppers, Lifestyle and fashion spenders, Those seeking lounge access with shopping rewards

Shoppers Stop Black HDFC Bank Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹1

Earning Cap

₹1,000 /monthly

Points Validity

24 Months

Pros

  • 7% reward points on Shoppers Stop purchases
  • Complimentary Shoppers Stop Black membership worth ₹4,500
  • 16 domestic + 8 international lounge accesses per year
  • Welcome voucher worth ₹1,500
  • Comprehensive insurance benefits including ₹3 crore air accident cover
  • Milestone bonus rewards on weekend Shoppers Stop spends

Cons

  • High joining and annual fee of ₹4,500
  • Best value primarily for frequent Shoppers Stop customers
  • No reward points on rental and government category payments

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Grocery reward points capped at 1,000 points per month

No reward points on rental and government category payments

1% fee charged on rental transactions from the 2nd rental transaction each calendar month

1% mark-up charges on all international DCC transactions

Weekend milestone benefit requires single Shoppers Stop purchase of ₹50,000 or above

Key Benefits & Features

Complimentary Shoppers Stop Black membership worth ₹4,500

Zero lost card liability on fraudulent transactions reported immediately

Contactless payments supported

Eligibility Criteria

Min. Annual Income

₹8.4 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Passport
Aadhaar Card
Voter ID
Driving Licence
PAN Card
Passport size photograph

ADDRESS Proof

Utility bills (electricity, water, gas, or telephone)
Rental agreement
Passport
Aadhaar Card
Voter ID

INCOME Proof

Salary slips (for salaried individuals)
Income Tax Returns (ITR)
Form 16
Bank statements

Notable Exclusions

No Reward Points accrual on rental category paymentsNo Reward Points accrual on government category paymentsGrocery spend reward points capped at 1,000 points per month per customer

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Shoppers Stop Black HDFC Bank Credit Card

The Shoppers Stop Black HDFC Bank Credit Card is a premium lifestyle and shopping credit card designed for frequent Shoppers Stop customers who want to maximize their fashion and retail spending. With a joining and annual membership fee of ₹4,500, the card delivers exceptional value through a comprehensive rewards structure and exclusive retail privileges. Cardholders earn 7% Reward Points on every Shoppers Stop purchase and 2% Reward Points on all other spends, with 1 Reward Point equaling 1 Rupee when redeemed against Shoppers Stop vouchers. New members receive a welcome voucher worth ₹1,500 and a complimentary Shoppers Stop Black membership valued at ₹4,500. Weekend shoppers spending ₹50,000 or more in a single Shoppers Stop purchase also unlock bonus Reward Points worth ₹2,000 per month. Beyond retail rewards, the card offers 16 complimentary domestic lounge accesses and 8 international lounge accesses per calendar year, making it equally suited for travelers. Additional benefits include a 1% fuel surcharge waiver, accidental air death cover of ₹3 crore, emergency overseas hospitalisation cover up to ₹50 lakh, and zero lost card liability. The card also supports SmartEMI conversions and contactless payments, making it a well-rounded premium card for lifestyle-focused spenders.

Expert Review

Our Verdict

Premium shopping card with 7% rewards at Shoppers Stop, lounge access & complimentary Black membership.

Frequently Asked QuestionsAbout Shoppers Stop Black HDFC Bank Credit Card

OTHERWhat is the Shoppers Stop Black HDFC Bank Credit Card?
The Shoppers Stop Black HDFC Bank Credit Card is a premium lifestyle credit card that offers exclusive fashion rewards and benefits on your Shoppers Stop and non-Shoppers Stop spends. It provides 7% Reward Points on every Shoppers Stop purchase, 2% Reward Points on other spends, complimentary Shoppers Stop Black membership, lounge access benefits, comprehensive insurance coverage, and more — making it ideal for frequent Shoppers Stop customers.
BENEFITSWhat are the key benefits of the Shoppers Stop Black HDFC Bank Credit Card?
The card offers a wide range of benefits including 7% Reward Points on every Shoppers Stop spend, 2% Reward Points on non-Shoppers Stop spends, complimentary Shoppers Stop Black membership worth ₹4,500, a welcome voucher worth ₹1,500, 16 domestic and 8 international lounge accesses per year, milestone bonus Reward Points for weekend Shoppers Stop spends of ₹50,000 or more, 1% fuel surcharge waiver, and comprehensive insurance including ₹3 crore accidental air death cover.
FEESWhat is the joining and annual fee for the Shoppers Stop Black HDFC Bank Credit Card?
The joining and renewal membership fee for the Shoppers Stop Black HDFC Bank Credit Card is ₹4,500 plus applicable taxes. There is no separate fee structure — the same amount applies for both the joining fee and the annual renewal fee. Please refer to the official fees and charges section on the HDFC Bank website for complete details.
FEESWhat are the annual fee and charges for the Shoppers Stop Black HDFC Bank Credit Card?
The annual renewal membership fee for the Shoppers Stop Black HDFC Bank Credit Card is ₹4,500 plus applicable taxes. Additional charges may include a 1% fee on rental transactions from the second rental transaction per calendar month, 1% mark-up charges on all international DCC transactions, and applicable taxes on all fees. Please visit the HDFC Bank website for the complete fees and charges schedule.
ELIGIBILITYWho is eligible to apply for the Shoppers Stop Black HDFC Bank Credit Card?
Eligibility criteria are as follows — For salaried individuals: Indian nationality, age between 21 and 60 years, and a minimum monthly income of ₹70,000. For self-employed individuals: Indian nationality, age between 21 and 65 years, and a minimum annual income of ₹8,40,000. Meeting these criteria does not guarantee card approval, as HDFC Bank may apply additional internal assessment criteria.
DOCUMENTSWhat documents are required to apply for the Shoppers Stop Black HDFC Bank Credit Card?
You will need to submit the following documents: Identity Proof — Passport, Aadhaar card, Voter ID, Driving Licence, PAN card, or a passport-size photograph. Address Proof — Utility bills (electricity, water, gas, or telephone), rental agreement, Passport, Aadhaar card, or Voter ID. Income Proof — Salary slips for salaried individuals, Income Tax Returns (ITR), Form 16, or bank statements. In certain cases, video KYC may also be required.
APPLICATIONHow can I apply for the Shoppers Stop Black HDFC Bank Credit Card?
You can apply for the Shoppers Stop Black HDFC Bank Credit Card through three channels: (1) Online via the HDFC Bank website by providing your phone number, date of birth or PAN, confirming your details, and selecting your card. (2) Via NetBanking if you are an existing HDFC Bank customer, by logging in and visiting the 'Cards' section. (3) By visiting your nearest HDFC Bank branch for in-person assistance. In certain cases, document uploads and video KYC may be required.
USAGEHow can I use the Shoppers Stop Black HDFC Bank Credit Card?
You can use your Shoppers Stop Black HDFC Bank Credit Card in several ways: swipe or tap it at any merchant terminal for purchases. Use it at Shoppers Stop stores to earn 7% Reward Points. Pay for fuel at any fuel station across India to enjoy a 1% fuel surcharge waiver of up to ₹500 per statement cycle. Use contactless payments for transactions up to ₹5,000 at supported retail outlets. You can also convert large purchases into SmartEMI with flexible repayment options from 9 to 36 months.
REWARDSHow do Reward Points work and how can I redeem them?
You earn 7% Reward Points on Shoppers Stop spends and 2% Reward Points on all other spends. Reward Points can be redeemed via HDFC Bank NetBanking, where 1 Reward Point equals ₹1 when redeemed against Shoppers Stop vouchers. Other redemption options include: Product Catalogue (1 point = ₹0.35), Cashback (1 point = ₹0.20), Airmiles (1 point = up to ₹0.50), and Flights/Hotels via Unified SmartBuy (1 point = ₹0.50). Reward Points are valid for 2 years from the date of accrual.
REWARDSAre there any restrictions on earning Reward Points?
Yes, there are certain restrictions on Reward Points accrual. Grocery spends are capped at 1,000 Reward Points per month per customer. No Reward Points are earned on spends in the Rental and Government payment categories. Additionally, a 1% fee is charged on rental transactions from the second rental transaction made every calendar month. It is advisable to check the latest terms and conditions on the HDFC Bank website for any updates.
BENEFITSWhat lounge access benefits does the card offer?
The Shoppers Stop Black HDFC Bank Credit Card provides 16 complimentary domestic airport lounge accesses per calendar year (4 per quarter) and 8 complimentary international airport lounge accesses per calendar year (2 per quarter). Based on standard market rates, these lounge accesses are estimated to be worth approximately ₹17,776 for domestic and ₹15,920 for international access annually, making them one of the most valuable benefits of this card.
BENEFITSWhat insurance benefits does the Shoppers Stop Black HDFC Bank Credit Card offer?
The card provides comprehensive insurance coverage including an accidental air death cover worth ₹3 crore and emergency overseas hospitalisation coverage of up to ₹50 lakh. Additionally, the card offers zero lost card liability, which protects against fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre, and a credit liability cover of up to ₹9 lakh. These insurance benefits add significant value, especially for frequent travellers.
INTERNATIONALWhat is the forex markup fee for international transactions?
The Shoppers Stop Black HDFC Bank Credit Card charges a relatively low forex markup fee of 1% on international transactions. Additionally, a 1% mark-up charge is applied on all international Dynamic Currency Conversion (DCC) transactions. This makes the card reasonably cost-effective for international use compared to many other credit cards that charge 2–3.5% forex markup fees. Always check the latest fee schedule on the HDFC Bank website before travelling abroad.
REWARDSWhat is the weekend milestone benefit on Shoppers Stop spends?
The card offers a special milestone reward for weekend shopping at Shoppers Stop. You earn Reward Points worth ₹2,000 per month if you make a single purchase of ₹50,000 or more at Shoppers Stop on weekends. Based on the value chart, assuming 5 such qualifying weekend visits in a year, the annual savings from this benefit alone can be up to ₹16,500. This makes the card particularly rewarding for high-value Shoppers Stop shoppers.
USAGEHow can I manage my Shoppers Stop Black HDFC Bank Credit Card?
You can manage your card conveniently through HDFC Bank's MyCards platform, a mobile-based service that requires no password or additional downloads. Through MyCards, you can register and activate your card, set or reset your Card PIN, manage card controls such as online spends and contactless transactions, view transactions and download e-statements, check and redeem Reward Points, block or re-issue your card, and apply for or manage add-on cards. MyCards also serves as a unified platform for Credit Cards, Debit Cards, FASTag, and Consumer Durable Loans.

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