HomeCredit CardsShoppers Stop Black HDFC Bank Credit Card
Shoppers Stop Black HDFC Bank Credit Card

HDFC Bank

Shoppers Stop Black HDFC Bank Credit Card

visablackcreditshoppingtravel

Annual Fee

₹4,500

Base Reward

7% points

Foreign Markup

3.5% + GST

4.5/5

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

Category Rewards

shopping

7% Reward Points

7% Reward Points

other

2% Reward Points

2% Reward Points

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Shoppers Stop

Shoppers Stop

all(2,000 Reward Points/month)

7% Reward Points
All other spends

All other spends

all(2,000 Reward Points/month)

2% Reward Points

Rewards Details

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.

Reward Points — Redemption Value
  • The points can be redeemed against the purchases made at the Shoppers Stop Outlet or through their official website.

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.

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

fuelrentgovernmenteducationemiwallet

Partner Merchants

Shoppers Stop

Fees & Charges

Annual Fee₹4,500
Joining Fee₹4,500 + GST
Foreign Markup3.5% + GST
Interest Rate3.75% per month (45% annually)
Cash Advance2.5% of amount withdrawn or ₹500 whichever is higher
Redemption Fee₹99 for Other Reward Redemptions

Eligibility

Min Age

21 yrs

Salaried

₹0.7L+

Self-Emp

₹8.4L+

Networks

visamastercard