By: OurMoneyGuide || Last updated on: May 7, 2024

Shoppers Stop Black HDFC Credit Card is a co-brand credit card offered by HDFC Bank, in partnership with Shoppers Stop. This is the premium version of this co-brand partnership, and is the best card for those who shop frequently at Shoppers Stop.

Brief Summary

Our Rating

3.75 / 5

Best card for those who frequently shop at Shoppers Stop – 7% benefit rate on Shoppers Stop purchases.

Since it is a premium card, you also get other benefits like complimentary access to airport lounges in India (upto 4 times per quarter) and abroad (upto 2 times per quarter).

Annual fee is ₹4500, and is mainly covered by complimentary First Citizen Black membership worth ₹4500.

Pros & Cons of Shoppers Stop Black HDFC Credit Card


  • Attractive reward rate on Shoppers Stop purchases
  • Good reward rate of 2% on non-Shoppers Stop purchases as well
  • Exclusive privileges as a Shoppers Stop First Citizen Black Tier member, such as no-queue billing, assisted shopping by a personal shopper, access to the First Citizen Black Lounge, 1 year exchange for garments, free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.


  • As is the case with most co-brand credit cards, you will need to consider other credit cards to earn rewards on non-Shoppers Stop spending

Features & Benefits of the Shoppers Stop Black HDFC Credit Card

7% reward on all Shoppers Stop purchases – on purchases upto ₹28570 per month

You earn 7 reward points worth ₹7, on every ₹100 you spend in this category.

This is valid only on spends upto ₹28,570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.

1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers. Reward points are valid for 2 years.

You can also redeem your reward points at a lower rate on the below options-
Product Catalogue : 1 reward point = upto ₹0.35
Airmiles : 1 reward point = upto 0.50 airmiles
Unified SmartBuy (Flights/Hotels) : 1 reward point = ₹0.50
Cashback : 1 reward point = ₹0.20

Upto 4% additional reward, through ‘weekend offer’ program – 5 times a year (maximum once per month)

For larger purchases, you should consider the weekend offer program.

You get ₹2000, when you spend ₹50,000 or more on a single purchase (total bill value) on a weekend. Weekend is defined as Friday, Saturday, Sunday.

You can avail this offer 5 times a year, maximum once a month.

2% reward on all other card purchases – on purchases upto ₹1 lakh per month

You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.

This is valid on spends upto ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.

1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers. Reward points are valid for 2 years.

Important points to note-
– Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, card account fees and payment.
– You can earn a maximum of 1000 reward points on grocery purchases.

Complimentary visits to airport lounges in India (4 times per quarter) and abroad (2 times per quarter)

You can check the list of lounges and all other details by clicking here.

Fuel surcharge waiver, upto ₹500 per month

You get a 1% fuel surcharge waiver at all fuel stations, on fuel purchases upto ₹50,000 per month, since the maximum waiver amount is capped at ₹500 per monthly card statement cycle.

Complimentary insurance covers

You get free insurance covers-
– Accidental Air Death Cover worth ₹3 crores.
– Emergency Overseas Hospitalisation : In case of emergencies during overseas travel, the card offers coverage for emergency hospitalisation expenses up to ₹50 lakhs.
– Credit Liability Cover:  Credit liability cover of up to ₹9 lakhs

Upto 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.

Applicable categories and partners
5% cashback on travel spends, through HDFC Smartbuy✓ Flight bookings
✓ Hotel bookings
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
✓ MakeMyTrip holiday packages
5% cashback on gift voucher purchases, through HDFC SmartbuyGift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more.

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
5% cashback at select partners, through HDFC Smartbuy✓ Myntra
✓ Jockey
✓ Apple Imagine Tresor
✓ Nykaa
✓ Zoom Car
10% cashback at select partners, through HDFC Smartbuy✓ Pharmeasy
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month

This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app. 

You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%. For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

Zero lost card liability

In case you misplace your Shoppers Stop Black HDFC Bank Credit Card, you can rest assured that your liability for any fraudulent transactions made on the card is completely eliminated.

By promptly reporting the loss to HDFC Bank’s 24-hour call centre, you will be protected from any unauthorized charges.

24/7 HDFC customer support available

Your bank is always available; please click here for all the options to contact the bank.

Shoppers Stop Black HDFC Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹4500Welcome Offers
– ₹1500 worth of Shoppers Stop vouchers, redeemable at Shopper Stop stores
– Complimentary First Citizen Black membership worth ₹4500.
Renewal fee from 2nd year onwards₹4500Renewal offer : Renewal of complimentary First Citizen Black membership worth ₹4500

Late payment fee

Late payment fees depends on the total payment due

Amount dueLate fee
Less than ₹100NIL
₹101 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹600
₹10,001 to ₹25,000₹800
₹25,001 to ₹50,000₹1100
More than ₹50,000₹1300

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – HDFC Shoppers Stop Black Credit Card Fees & Charges

Eligibility Criteria

Minimum age
21 years
Maximum age
Salaried : 60 years
Self-employed : 65 years
Salaried or self-employed
Minimum income requirements
Salaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year
Credit score
Not specified, preferably above 750

Application Process

Step-by-step guide –

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with the required documents (listed below in the next section of this page).
– Submit the application

Customers can also apply for Shoppers Stop HDFC Bank co-brand credit cards by visiting the Shoppers Stop mobile application/webpage and complete the application by clicking on the co-brand credit card advertisement banner. This will initiate the HDFC Bank digital onboarding journey.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process. Or you can visit the nearest Shoppers Stop outlet.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Here are the steps to apply for an HDFC credit card through WhatsApp banking:

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query e.g – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.

Necessary documents and verification

Required documents
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.


The Shoppers Stop Black HDFC Bank Credit Card is a good card for heavy users/customers of Shoppers Stop since the reward rate on Shoppers Stop purchases is attractive, and the rewards one gets on non-Shoppers Stop purchases can only be redeemed at Shoppers Stop.

The card also gives complimentary airport lounge access.