Shoppers Stop Black HDFC Bank Credit Card
Fees
₹4,500 + Taxes
Joining & AnnualReward Rate
20 First Citizen Points per ₹200 at Shoppers Stop; 4 points/₹150 on other retail
Welcome Bonus
₹1,500 Shoppers Stop voucher + Complimentary First Citizen Black Tier Membership
Lounge Access
16 Domestic + 8 International/yr
FindMyCard Expert Take
The Shoppers Stop Black HDFC Bank Credit Card offers 20 First Citizen Points per ₹200, complimentary Black Tier membership, and airport lounge access.
Pros & Cons
Key Advantages
- Highest tier First Citizen Black membership status at Shoppers Stop
- 20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products
- Complimentary airport lounge access: 16 domestic + 8 international visits/year
- ₹1,500 welcome voucher + milestone discount vouchers
Limitations
- High annual fee of ₹4,500 + Taxes
- Maximum rewards locked to Shoppers Stop ecosystem
- High spend milestone of ₹4 Lakh for annual fee waiver
Editorial Verdict
The Shoppers Stop Black HDFC Bank Credit Card is ideally suited for shoppers stop loyalists & premium fashion spenders. If you want 20 first citizen points per ₹200 at shoppers stop; 4 points/₹150 on other retail, this card delivers real value. The ₹4,500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
20 First Citizen Points per ₹200 spent on Shoppers Stop private brand products
10 First Citizen Points per ₹200 spent on other brands at Shoppers Stop
4 First Citizen Points per ₹150 spent on non-Shoppers Stop retail purchases
Complimentary First Citizen Black tier membership (valet parking, priority billing, personal shopper)
2 complimentary domestic airport lounge visits per calendar quarter
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
🚀 Milestone Spends Timeline
₹2,000 Shoppers Stop voucher on achieving ₹2 Lakh annual spend
₹3,000 Shoppers Stop voucher on achieving ₹4 Lakh annual spend
Annual fee waived on retail spends of ₹4 Lakh in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹4,500 + Taxes
💡 Annual fee waived on ₹4 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹9 Lakh
purchase protection
Up to ₹25,000
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹50,000 per month
self employed ITR
₹10 Lakh per annum
age
21 to 60 years
Compare Shoppers Stop Black HDFC Bank Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Shoppers Stop Black HDFC Bank Credit Card This Card | ₹4,500 + Taxes | 20 First Citizen Points per ₹200 at Shoppers Stop; 4 points/₹150... | 16 Domestic + 8 International/yr | 4.4/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |