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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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