HDFC Bank
Shoppers Stop Black HDFC Bank Credit Card
Your rating
Community rating
Joining Fee
₹4,500
Annual Fee
₹4,500
Reward Rate
2% – 7%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2% – 7%
Earn rate
2
Points / ₹100
₹1
Per point
24 months
Point expiry
₹2,000
Monthly cap
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 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
- 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.
Quick Links
Data last updated 24 Mar 2026