Shoppers Stop Black HDFC Bank Credit Card benefits
- Rewards7%
back as reward points at Shoppers Stop
up to 2,000 points a month
- Rewards2%
back as reward points on other eligible spends
- Lounge16
domestic and 8 international lounge visits a year
- Benefit
Free Shoppers Stop Black membership
- Gift₹1,500
Shoppers Stop welcome voucher
- Benefit
Weekend bonus on Shoppers Stop purchases of ₹50,000 or more
Shoppers Stop Black HDFC Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Shoppers Stop7% back as reward points at Shoppers Stop stores and shoppersstop.com, up to 2,000 points a month. Each transaction must be ₹150 or more. | 7 points per ₹100 | 2,000 |
| Everything else | 2 points per ₹100 | 2,000 |
We value one point at ₹1 in the usual redemption.
No rewards on: Wallet loads, rent, government payments, fuel, supermarkets, tax, EMI, insurance, jewellery, liquor stores, bakeries and cash withdrawals.
All reward rules
- 2% back as reward points on other eligible spends, up to 2,000 points a month. Each transaction must be ₹150 or more.
- One point is worth ₹1 only when redeemed for Shoppers Stop vouchers. As statement credit it is worth ₹0.20, and up to ₹0.35 on the product catalogue. We use ₹1, so the figures assume you redeem at Shoppers Stop.
- Weekend offer: ₹1,500 a month for a single Shoppers Stop purchase of ₹50,000 or more on a Friday, Saturday or Sunday, once a month and up to 5 times a year. HDFC Bank's card page states this as points worth ₹2,000.
- Welcome benefit: a ₹1,500 Shoppers Stop voucher.
- Free Shoppers Stop Black membership, so you also earn First Citizen points at Shoppers Stop.
- Reward points are valid for 2 years.
What the Shoppers Stop Black HDFC Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Shoppers Stop where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0% | ₹0 |
| Dining and food delivery | ₹2,000 | 2% | ₹480 |
| Online shopping | ₹18,000 | 2% | ₹4,320 |
| Travel | ₹1,000 | 2% | ₹240 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 2% | ₹480 |
| Everything else | ₹3,000 | 7% | ₹2,520 |
| Total | ₹30,000 | ₹8,040 | |
| Renewal fee with GST | −₹5,310 | ||
| You keep | ₹2,730* |
Shoppers Stop Black HDFC Bank Credit Card annual fee and charges
- Joining fee
- ₹4,500
- Annual fee
- ₹4,500
Joining and renewal fee ₹4,500 each, before GST. HDFC Bank's fee page lists no spend-based waiver. The card includes a Shoppers Stop Black membership that Shoppers Stop values at ₹4,500.
Fuel surcharge: 1% fuel surcharge waiver.
Shoppers Stop Black HDFC Bank Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹8,40,000 a year
- Self-employed income
- ₹8,40,000 a year
Indian nationals. Salaried: age 21 to 60 with a monthly income of ₹70,000. Self-employed: age 21 to 65 with yearly income above ₹8.4 lakh.
The bank alone decides approval and your credit limit.
Shoppers Stop Black HDFC Bank Credit Card lounge access
16 domestic and 8 international visits a year. Banks often set a spend condition, so read the reward rules above.
4 domestic visits a quarter and 2 international visits a quarter, per calendar year.
Is the Shoppers Stop Black HDFC Bank Credit Card right for you?
A card with a ₹4,500 yearly fee, paying 7% at Shoppers Stop and an above-average 2% elsewhere.
Worth its fee if you spend about ₹20,000 a month or more. Below that, the ₹4,500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Shoppers Stop: the card pays 7% back there, against 2% on most other spends.
- You fly a few times a year: it includes 16 domestic and 8 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹5,310 a year: that is the renewal fee with GST, and spending does not waive it.
- You spend more than ₹28,600 a month at Shoppers Stop: the higher rate stops there.
- You rarely use Shoppers Stop: outside it the card pays 2%.
- Much of your spending is on groceries: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Shoppers Stop Black HDFC Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Shoppers Stop Black HDFC Bank Credit Card | ₹4,500 | 7% | -₹270* |
| IndusInd Bank Pinnacle World Credit Card | Free | 1.88% | ₹3,645* |
| Reliance SBI Card PRIME | ₹2,999 | 5% | ₹2,160* |
If most of your spending looks like the example above, the IndusInd Bank Pinnacle World Credit Card may suit you better: it would leave you ₹5,085 a year, against ₹2,730 with the Shoppers Stop Black HDFC Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Shoppers Stop Black HDFC Bank Credit Card?
₹4,500 a year, plus GST. The joining fee is also ₹4,500, and HDFC Bank lists no spend-based waiver.
How much is one reward point worth?
₹1 when you redeem for Shoppers Stop vouchers. As statement credit a point is worth only ₹0.20.
How many lounge visits does the card give?
16 domestic visits (4 a quarter) and 8 international visits (2 a quarter) in a calendar year.
Do grocery and fuel spends earn reward points?
No. Supermarkets, fuel, rent, wallet loads, government payments, insurance and EMIs earn no points.