Shoppers Stop Black HDFC Bank Credit Card
Fees
₹4,500 + Taxes
Joining & annual
Reward Rate
7% reward points on every Shoppers Stop purchase; 2% on all other purchases
Welcome Bonus
₹1,500 Shoppers Stop voucher + Complimentary First Citizen Black Tier Membership
Lounge
16 Domestic + 8 International/yr
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
7% at Shoppers Stop
No limit -
2% on other purchases
No limit
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
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
Spend milestone
₹2,000 Shoppers Stop voucher on achieving ₹2 Lakh annual spend
Spend milestone
₹3,000 Shoppers Stop voucher on achieving ₹4 Lakh annual spend
Spend milestone
Annual fee waived on retail spends of ₹4 Lakh in a membership year
Fees & Charges
Joining fee
₹4,500 + Taxes
Annual fee
₹4,500 + Taxes
Annual fee waived on ₹4 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
How many lounge visits does Shoppers Stop Black HDFC offer?
What's the reward rate at Shoppers Stop?
Is the ₹4,500 annual fee worth it?
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 | 7% reward points on every Shoppers Stop purchase; 2% on all other purchases | 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 |