Visa 📡 Contactless NFC

Shoppers Stop Black HDFC Bank Credit Card

Joining Fee₹4,500

Annual Fee₹4,500

Forex Markup 3.5%

Apply & Earn ₹4500 →

⚖️ Card Verdict & Target Persona

Who Should Apply

High-end fashion shoppers and premium buyers purchasing frequently at Shoppers Stop wanting Black Tier privileges, 7% reward points, and 16 domestic + 8 international lounge visits.

Who Should Avoid

Users who do not shop at Shoppers Stop or those unwilling to pay the ₹4,500 annual fee.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹4500 directly upon successful card approval.

Claim ₹4500 & Apply →

🎉

Joining & Activation Welcome Gift

Shoppers Stop gift voucher worth ₹4,500 + Shoppers Stop Black Tier Membership upon payment of joining fee and realization

7% Reward Points at Shoppers Stop

Earn 7% Reward Points on all online and offline purchases at Shoppers Stop (capped at 2,000 points/month).

16 Domestic & 8 International Lounge Visits

16 domestic and 8 international airport lounge visits per calendar year (max 4 domestic & 2 international per quarter).

Shoppers Stop Black Tier + ₹4,500 Voucher

Complimentary Shoppers Stop Black Tier Membership + Welcome gift voucher worth ₹4,500.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.5

Standard Base Earning

10 Reward Points per ₹150 spent on regular domestic retail (3.33% return; 1 RP = ₹0.50)

Accelerated / Partner Rate

7% Reward Points on all purchases at Shoppers Stop (capped at 2,000 reward points/month); 10 Reward Points per ₹150 spent on all other retail transactions (3.33% return; 1 RP = ₹0.50)

Points Validity:24 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: Shoppers Stop In-Store Purchases & Online Vouchers (1 RP = ₹0.50), SmartBuy Portal Flight & Hotel Bookings

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

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Domestic Lounge Visits16 complimentary domestic airport lounge visits per calendar year (max 4 per quarter)

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International Lounge Visits8 complimentary international airport lounge visits per calendar year (max 2 per quarter) via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

No spend-based fee waiver exists; annual renewal fee of ₹4,500 + GST applies with Shoppers Stop Black Tier membership renewed

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹400/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹70,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Shoppers Stop Black HDFC Bank Credit Card

Annual Fee: ₹4,500/yr (Waivable)

Apply & Claim ₹4500 →

Personalized Card Matcher

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Frequently Asked Questions

No, Shoppers Stop Black HDFC Bank Credit Card has a joining fee of ₹4500 and an annual renewal fee of ₹4500 (plus applicable taxes).

Shoppers Stop Black HDFC Bank Credit Card ₹4,500/yr