Shoppers Stop Black HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹4,500
Joining Fee
₹4,500 + GST
Base Reward
7% points
Foreign Markup
3.5% + GST
Interest Rate
3.75% per month (45% annually)
Welcome Benefits
Shoppers Stop Vouchers Worth ₹4,500 and Complimentary Shoppers Stop Black Membership (Worth ₹4,500)
Product Highlights
- 7% Reward Points on every Shoppers Stop spends
- 16 domestic and 8 international lounge access annually
- Complimentary First Citizen BLACK membership
Rewards
7% Reward Points/₹150 on Every Shoppers Stop spends. 2% Reward Points/₹150 on Non-Shoppers Stop spends. Maximum cap at 2,000 Reward Points per month.
Redemption
The points can be redeemed against the purchases made at the Shoppers Stop Outlet or through their official website.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 7%(7% Reward Points) | No cap |
other | 2%(2% Reward Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Shoppers Stop | 7% Reward Points(2,000 Reward Points/month) | all |
| All other spends | 2% Reward Points(2,000 Reward Points/month) | all |
Benefits & Features
Domestic: 16 complimentary lounge access per annum (Maximum 4 times in a quarter) International: 8 complimentary lounge access per annum (Maximum 2 times in a quarter) Complimentary lounge access includes 16 domestic visits (max 4 per quarter) and 8 international visits (max 2 per quarter). No additional charges apply for visits within the limits.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹70,000
Min Income (Self-Employed)
₹8,40,000
Available Networks
Pros & Cons
Pros
- Enjoy a complimentary First Citizen Black membership worth ₹4,500
- Get 16 domestic and 8 international lounge access annually
- High reward rate of 7% on Shoppers Stop spends
Cons
- No dining or movie benefits
- High joining and annual charge of ₹4,500 + GST
Additional Info
Reward Points earned with this credit card shall be valid for a period of two years from the date of accumulation.
No Reward Points shall be awarded for wallet, rent, government-related transactions, fuel, supermarkets, tax payments, EMI transactions, and miscellaneous foods.
Redemption for Reward Point Value varies based on the type of redemption chosen.
Maximum cap at 2,000 Reward Points per month.
Excluded Categories