Explore Benefits of HDFC BankShopper Stop BlackCredit Card

HDFC Bank

Explore Shopper Stop Black Credit Card

Basic Information

Welcome Benefits Welcome Benefit: ₹1,500 Shoppers Stop voucher; Redemption: Redeemable on a transaction at Shoppers Stop

Card Details Card Name: Shoppers Stop Black HDFC Bank Credit Card; Bank Name: HDFC Bank; Card Type: Co-Branded Lifestyle/Shopping Credit Card

Card Category Premium

Eligibility Minimum Income: Salaried ₹70,000/month; Self-employed annual income > ₹8.40 lakh; Employment: Salaried/Self-employed; Age: Salaried 21–60 years; Self-employed 21–65 years; Nationality: Indian

Rewards Program

Reward Points Shoppers Stop: 7% Reward Points; Non-Shoppers Stop: 2% Reward Points; Reward Validity: 2 years; Shoppers Stop Voucher: 1 RP = ₹1; Product Catalogue: ₹0.35/RP; Cashback: ₹0.20/RP; Airmiles: Up to ₹0.50/RP; SmartBuy Flights/Hotels: ₹0.50/RP

Redemption Shoppers Stop Voucher: 1 RP = ₹1; Product Catalogue: ₹0.35/RP; Cashback: ₹0.20/RP; Airmiles: Up to ₹0.50/RP; SmartBuy Flights/Hotels: ₹0.50/RP

Milestone Rewards Weekend Benefit: ₹1,500/month; Minimum Purchase: ₹50,000 or above in a single Shoppers Stop purchase; Eligible Days: Friday/Saturday/Sunday; Frequency: Maximum once per month; Annual Limit: 5 times/year

Travel Benefits

Airport Lounge Domestic: 16 complimentary accesses/year; Domestic Quarterly Limit: 4 per quarter; International: 8 complimentary accesses/year; International Quarterly Limit: 2 per quarter

Membership Membership: Complimentary Shoppers Stop Black Membership; Stated Value: ₹4,500

Shopping Benefits

Online Shopping Shoppers Stop Online Purchases: 7% Reward Points; Conditions: Exclusions/eligibility subject to merchant IDs and applicable Terms & Conditions

Offline Shopping Shoppers Stop Stores: 7% Reward Points on eligible transactions

Brand Offers Offers: Shoppers Stop Black membership and HDFC/SmartBuy/PayZapp portfolio offers

EMI Offers Feature: SmartEMI; Tenure: 9–36 months; Details: Available for eligible large purchases

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1%; Maximum Waiver: Up to ₹500 per statement cycle

Dining & Entertainment

Dining Reward Points: 2% on eligible non-Shoppers Stop spends; Details: HDFC value chart includes dining in other-spend examples

Lifestyle Benefits

Luxury Services Benefit: Complimentary Shoppers Stop Black membership; Value: ₹4,500

Daily Spending Benefits

Utility Bills Reward Points: 2% may apply as eligible non-Shoppers Stop spends; Conditions: Applicable exclusions apply

Rent Payments Reward Points: No Reward Points on rent transactions; Rental Fee: 1% fee from the 2nd rental transaction in a calendar month

Insurance Payments Reward Points: Excluded on insurance transactions; Conditions: As per applicable Terms & Conditions

Insurance & Protection

Insurance Accidental Air Death Cover: ₹3 crore; Emergency Overseas Hospitalisation: Up to ₹50 lakh

Card Security Credit Liability Cover: Up to ₹9 lakh; Zero Lost Card Liability: Protection against fraudulent transactions when reported immediately to HDFC Bank 24-hour call centre

Digital Features

Payments Contactless Payment: Tap & Pay supported

Banking Features HDFC MyCards: Card management and card control/management facility

Add-on Features

EMI Features Feature: SmartEMI; Details: Convert eligible large purchases after purchase; Tenure: 9–36 months

Fees & Charges

Joining Charges Joining Fee: ₹4,500 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹4,500 + applicable taxes

EMI Charges Feature: SmartEMI; Tenure: 9–36 months; Details: Eligible large purchases can be converted to SmartEMI

Forex Charges International DCC Markup: 1%

Customer Support

Service Support: 24-hour HDFC Bank Call Centre; Purpose: Reporting fraudulent transactions and lost-card liability

Performance & Ratings

Best Usage Best For: Shoppers Stop shopping, premium/lifestyle shopping, airport lounge users

Advantages Benefits: 7% Reward Points on Shoppers Stop spends; 2% on eligible non-Shoppers Stop spends; ₹1,500 welcome voucher; complimentary Black membership; 16 domestic + 8 international lounge accesses; ₹3 crore air accident cover; ₹50 lakh emergency overseas hospitalisation; ₹9 lakh credit liability cover; 1% fuel surcharge waiver

Limitations Annual Fee: ₹4,500 + applicable taxes; Reward Exclusions: Reward exclusions apply; Excluded/Restricted Transactions: Rent, government, fuel, wallet, EMI etc. may not earn rewards depending on applicable Terms & Conditions; Shoppers Stop Reward Eligibility: 7% reward eligibility depends on merchant/TID/MID setup; Reward Expiry: Reward Points expire after 2 years

Instant Check Eligibility | Shopper Stop Black Credit Card

Instant Check Eligibility

Frequently Asked Questions About Shopper Stop Black Credit Card

What are the benefits of the HDFC Bank Shoppers Stop Black Credit Card?

The HDFC Bank Shoppers Stop Black Credit Card is a premium shopping and lifestyle credit card designed for customers who frequently shop at Shoppers Stop. It offers 7% Reward Points on eligible Shoppers Stop purchases and 2% Reward Points on eligible non-Shoppers Stop purchases. Cardholders can also enjoy a ₹1,500 welcome voucher, complimentary Shoppers Stop Black membership, airport lounge access, fuel surcharge waiver and additional lifestyle benefits.

How can I apply for the HDFC Shoppers Stop Black Credit Card online?

You can apply for the HDFC Bank Shoppers Stop Black Credit Card online through the HDFC Bank website. Visit the credit card application page, enter your registered mobile number and required personal details, verify your information, select the Shoppers Stop Black Credit Card if available, and submit your application. The bank may request additional documents or Video KYC before processing your application. Final approval depends on HDFC Bank's verification and eligibility assessment.

What is the minimum salary required for the HDFC Shoppers Stop Black Credit Card?

For salaried applicants, HDFC Bank specifies a gross monthly income of more than ₹70,000. Self-employed applicants must have an annual income above ₹8.40 lakh as per their Income Tax Return (ITR). Applicants must be Indian nationals and meet the applicable age and credit assessment requirements. Meeting the income criteria does not guarantee credit card approval.

What is the joining fee and annual renewal fee of the Shoppers Stop Black Credit Card?

The HDFC Bank Shoppers Stop Black Credit Card carries a joining fee of ₹4,500 plus applicable taxes. The annual renewal or membership fee is also ₹4,500 plus applicable taxes. Applicants should review the latest fee schedule and applicable terms before submitting their credit card application.

How many reward points can I earn on Shoppers Stop Black Credit Card purchases?

Cardholders can earn 7% Reward Points on eligible purchases at Shoppers Stop stores and its official website, along with 2% Reward Points on eligible non-Shoppers Stop purchases. The reward structure is subject to transaction eligibility, minimum transaction requirements and monthly earning caps. Certain categories, such as fuel, rent, government payments and EMI transactions, are excluded.

Does the HDFC Shoppers Stop Black Credit Card offer a welcome gift or shopping voucher?

Yes, eligible new cardholders receive a Shoppers Stop welcome voucher worth ₹1,500. According to the card's terms, the welcome benefit is communicated through WhatsApp after card onboarding and can be redeemed at Shoppers Stop stores using the eligible credit card. Customers should check the voucher's validity and redemption conditions before use.

What is the Shoppers Stop Black membership benefit on this HDFC credit card?

The HDFC Shoppers Stop Black Credit Card provides complimentary Shoppers Stop Black membership worth ₹4,500. This membership offers additional shopping and lifestyle privileges through the Shoppers Stop membership programme. Cardholders may also earn First Citizen Reward Points as per the applicable membership and shopping programme conditions.

Does the HDFC Bank Shoppers Stop Black Credit Card provide airport lounge access?

Yes, the card offers complimentary airport lounge access, including 16 domestic lounge visits per calendar year (4 per quarter) and 8 international lounge visits per calendar year (2 per quarter). Lounge access is subject to the applicable eligibility rules, participating airport lounges and card-specific terms and conditions.

Can I redeem HDFC Shoppers Stop Black Credit Card reward points for cashback?

Yes, the reward points earned through the Shoppers Stop Black Credit Card can be redeemed through available HDFC Bank redemption options. For Shoppers Stop vouchers, 1 Reward Point is equivalent to ₹1. Other redemption options, such as cashback, travel and product catalogue rewards, have different conversion values. Customers should check the applicable redemption charges and minimum redemption requirements before redeeming their points.

What documents are required to apply for the HDFC Shoppers Stop Black Credit Card?

Applicants may need to provide identity proof, address proof and income documents. Commonly accepted documents include PAN Card, Aadhaar Card, Passport, Voter ID, Driving Licence, salary slips, Form 16, bank statements and Income Tax Returns. The exact documentation requirements depend on the applicant's employment category and HDFC Bank's verification process.

Is the HDFC Bank Shoppers Stop Black Credit Card worth applying for in 2026?

The HDFC Bank Shoppers Stop Black Credit Card can be a suitable option for customers who regularly shop at Shoppers Stop and can make good use of its reward points, complimentary membership, welcome voucher and airport lounge benefits. However, its ₹4,500 joining and annual renewal fees should be considered before applying. Customers who frequently shop at Shoppers Stop may get better value from the card than those who mainly spend on unrelated categories. Compare the benefits, fees and personal spending habits before making a decision.