Shoppers Stop Black HDFC Bank Credit Card
The Shoppers Stop Black HDFC Bank Credit Card is a premium co-branded credit card from HDFC Bank and Shoppers Stop, with a joining fee of ₹4,500 + GST.
It earns up to 7 pts per ₹100 (≈7.0% value) on Shoppers Stop spends in the form of reward points (points).
Cardholders get 4 quarterly domestic + 2 quarterly international airport lounge access, plus shoppers stop voucher worth ₹1,500 as welcome benefit as a welcome benefit.
- Joining Fee₹4,500
- Annual Fee₹4,500
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
- 7 pts per ₹100 on shoppers stop purchases (cap 2000 points / monthly)
- Base 2.00% on other spends
- Shoppers Stop voucher worth ₹1,500 as welcome benefit
HDFCpremiumCo-brand · Shoppers StopRewards and Benefits
- ₹50,000 / monthly: Reward Points worth ₹2,000 for a purchase of ₹50,000 or above on Shoppers Stop on weekends
- air accident: ₹3,00,00,000
- travel medical: ₹50,00,000
- credit shield: ₹9,00,000
- Shoppers Stop Black membership — Complimentary Shoppers Stop Black membership.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 2.0% = ₹300/mo
- Groceries₹8,000 · 2.0% = ₹160/mo
- Dining & food delivery₹8,000 · 2.0% = ₹160/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 2.0% = ₹200/mo
- Utilities & bills₹5,000 · 2.0% = ₹100/mo
₹11,040 rewards − ₹4,500 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded premium card by HDFC Bank and Shoppers Stop.
- Joining / annual fee of ₹4,500 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly) + international (2/quarterly).
- Insurance cover bundled: air accident, travel medical, credit shield.
Pros & Cons
- Strong base reward rate of 2.00%.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈7.0% on shoppers stop purchases.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹1,500 welcome benefit
- Shoppers Stop voucher worth ₹1,500 as welcome benefitAny transaction at Shoppers Stop
Accelerated rewards
- 7 pts per ₹100 on shoppers stop purchases (cap 2000 points / monthly)Merchants: shoppers-stop7% Reward Points on every Shoppers Stop purchase (vs 2% base on non-Shoppers Stop spends).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Milestone benefits
- ₹50,000 / monthly: Reward Points worth ₹2,000 for a purchase of ₹50,000 or above on Shoppers Stop on weekends (≈ ₹2,000 value)
Airport lounge access
Insurance benefits
- air accident: ₹3,00,00,000Accidental air death cover worth ₹3 crore.
- travel medical: ₹50,00,000Emergency overseas hospitalisation up to ₹50 lakh.
- credit shield: ₹9,00,000Credit liability cover up to ₹9 lakh.
Fuel surcharge waiver
1.0% waiver on fuel transactions , capped at ₹500 per statement.
Other benefits
- Shoppers Stop Black membership. Complimentary Shoppers Stop Black membership. (≈ ₹4,500 value)
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹8,40,000 p.a.
- Income (self-employed)
- ₹8,40,000 p.a.
Salaried: age 21-60, monthly income ₹70,000 (₹8,40,000 p.a.). Self-employed: age 21-65, annual income > ₹8,40,000.