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HDFC Bank Shoppers Stop Black Credit Card
The premium sibling to HDFC's Shoppers Stop card, aimed at frequent Shoppers Stop shoppers who also want basic travel perks like lounge access. The high joining fee only pays off if you shop heavily at Shoppers Stop or its Black loyalty tier already matters to you.
Annual fee
₹4,500
Joining fee
₹4,500
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in online shopping, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 16 complimentary domestic lounge visits per calendar year (4 per quarter)
- International lounge access: 8 complimentary international lounge visits per calendar year (2 per quarter)
Benefits by category
- ✈️ Travel
16 complimentary domestic lounge visits (4 per quarter) and 8 complimentary international lounge visits (2 per quarter) per calendar year.
- 🛍️ Shopping
7% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹75,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: Points redeemable 1:1 for Shoppers Stop vouchers at no cost
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹500 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Shoppers Stop voucher worth ₹1,500 as welcome benefit on any transaction at Shoppers Stop, plus complimentary Shoppers Stop Black membership worth ₹4,500.
- 16 complimentary domestic lounge visits (4 per quarter) and 8 complimentary international lounge visits (2 per quarter) per calendar year.
- 7% Reward Points on Shoppers Stop spends and 2% on non-Shoppers Stop spends; 1 Reward Point = Re 1 when redeemed against Shoppers Stop vouchers. Reward Points worth ₹2,000 per month on weekend Shoppers Stop purchases of ₹50,000 or above.
Pros
- + Complimentary Shoppers Stop Black membership
- + Domestic and international lounge access
- + High 7% value-back on Shoppers Stop spends
Cons
- − Steep joining/annual fee for a retail co-brand card
- − Reward value mostly locked to one retailer
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