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