Shoppers Stop Black HDFC Bank Credit Card
The Shoppers Stop Black HDFC Bank Credit Card is the premium tier for Shoppers Stop's most loyal customers.
Premium Privileges Fit Score
88/100
Joining Fee
₹4,500
Annual Fee
₹4,500
Reward Rate (%)
2 – 7
2 pts/₹100 · ₹1/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
Shoppers Stop Black HDFC Bank Credit Card 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
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹4,500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Shoppers Stop Black HDFC Bank Credit Card 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 1 Sept 2026
Calculate your exact earnings with Shoppers Stop Black HDFC Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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