What is the annual fee for Shoppers Stop Black HDFC Bank Credit Card?

The annual fee for Shoppers Stop Black HDFC Bank Credit Card is ₹4,500. The fee is waived on annual spend above ₹5,00,000.

What is the joining fee for Shoppers Stop Black HDFC Bank Credit Card?

The one-time joining fee for Shoppers Stop Black HDFC Bank Credit Card is ₹4,500.

What are the rewards and benefits of Shoppers Stop Black HDFC Bank Credit Card?

Shoppers Stop Black HDFC Bank Credit Card earns points rewards. Reward rate ranges from 2% to 7%. You earn 2 points per ₹100 spent.

What lounge access benefits does Shoppers Stop Black HDFC Bank Credit Card provide?

Shoppers Stop Black HDFC Bank Credit Card provides 4 domestic lounge visits per quarter and 8 international lounge visits per year.

What is the eligibility criteria for Shoppers Stop Black HDFC Bank Credit Card?

To be eligible for Shoppers Stop Black HDFC Bank Credit Card, you need a minimum monthly income of ₹70,000.

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HDFC Bank

Shoppers Stop Black HDFC Bank Credit Card

Name: Shoppers Stop Black HDFC Bank Credit Card
Brand: HDFC Bank
Price: 4500 INR
Availability: InStock

The Shoppers Stop Black HDFC Bank Credit Card is the premium tier for Shoppers Stop's most loyal customers.

Co-branded

CardCheck ScoreVery Good

Top Category Performance

Premium Privileges (88/100)

Best for: Shoppers Stop Black First Citizen — premium retail rewards with lounge access

Joining Fee

₹4,500

Annual Fee

₹4,500

Reward Rate (%)

2 – 7

Forex Markup

3.5%

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(0)

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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

35/35

Fee Value & ROI

18/25

Lounge & Perks

18/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Premium Privileges

88/100

Online Shopping

84/100

Travel & Lounge

82/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Shoppers Stop Black HDFC Bank Credit Card Benefits

Up to 7% value back on Shoppers Stop spends as First Citizen Points

2% value back on other eligible spends

Complimentary Shoppers Stop First Citizen Black membership worth ₹4,500

16 domestic + 8 international lounge visits per year

₹1,500 Shoppers Stop voucher as welcome benefit

1% fuel surcharge waiver up to ₹500 per statement cycle

Premium insurance cover including air accident cover up to ₹3 crore

Shoppers Stop Black HDFC Bank Credit Card Rewards

How you earn back on every swipe

points

Reward type

2% – 7%

Earn rate

Points / ₹100

₹1

Per point

24 months

Point expiry

₹2,000

Monthly cap

Shoppers Stop Black HDFC Bank Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹4,500

Annual fee₹4,500

Fee waiver on annual spend₹5,00,000

Interest-free period50 days

Interest rate (APR)42% – 45%

Late payment fee (max)₹1,300

Forex markup3.5%

Fuel surcharge waiverYes (₹0–₹0)

Shoppers Stop Black HDFC Bank Credit Card Lounge Access

Airport perks included with this card

4 per quarter

Domestic lounge visits

8 per year

International lounge visits

Things to Keep in Mind

wallet
rent
government payments
fuel
supermarkets
tax payments
EMI transactions
vending machines (misc. foods)
liquor/package stores
bakeries
cash advances/travelers’ cheques
insurance

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹5,00,000/yr

Your Estimated Monthly Spend:₹41,667/mo

Presets:

Annual Fee 100% Waived₹5,00,004 / ₹5,00,000

🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹4,500 fee drops to ₹0.

Gross Rewards+₹35,000

Effective Fee₹0 (Waived)

Net Profit/Yr+₹35,000

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Shoppers Stop Black HDFC Bank Credit Card Eligibility

Age21+ yrs – 65

Min. income₹70,000/month

CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Excellent rewards for frequent Shoppers Stop customers
Strong lounge access benefits for a shopping-focused card
Complimentary Black membership adds premium retail perks
Reward redemption value is best for Shoppers Stop vouchers
Good insurance and premium lifestyle coverage
Welcome benefits offset a part of joining fee
Suitable for fashion and premium retail shoppers

Cons

Very high annual fee of ₹4,500 + GST
Best value heavily depends on Shoppers Stop usage
Reward redemption flexibility outside Shoppers Stop is limited
Forex markup is relatively high for international spends
Reward caps apply on accelerated categories
Limited value for users focused on cashback or travel rewards
Annual fee waiver option is limited or unavailable in many cases

Who is this card for?

Shoppers Stop's highest-tier First Citizen customers who spend ₹1L+ at Shoppers Stop annually and want a card that rewards both retail loyalty and travel. Requires significant retail spending to justify the ₹4,500 fee.