All cards / HDFC Bank
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: Complimentary domestic lounge access.
- International lounge access: Complimentary international lounge access.
Benefits by category
- ✈️ Travel
Complimentary domestic and international airport lounge visits.
- 🛍️ 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
- Foreign currency markup: 3.5%
- Interest rate: 3.6% p.a.
Benefits
- Complimentary Shoppers Stop Black membership at card activation.
- Complimentary domestic and international airport lounge visits.
- 7% value-back on Shoppers Stop spends, redeemable against Shoppers Stop vouchers.
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