Our Money Guide

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

Our View

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.

Shoppers Stop Black HDFC Credit Card

on HDFC Bank website

Shoppers Stop Black HDFC Credit Card

Special Benefits

7% benefit on shopping at Shoppers Stop

Other Benefits

Complimentary access to airport lounges in India & abroad

Minimum Income

Salaried : ₹2 lakhs per month

Self employed : ₹8 lakhs per year

Annual Fee

₹ 4500

Annual Fee Offers

Welcome Offer – ₹1500 Shoppers Stop vouchers & complimentary First Citizen Black membership worth ₹4500

Renewal Offer – complimentary First Citizen Black membership worth ₹4500

Pros and 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.

Drawbacks to consider

  • 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

Comparing with Competitor Fuel Credit Cards

Shoppers Stop Black HDFC Credit Card
Our Rating
Rewards Rate 1.33% – 2.4%

Other benefits Fuel Surcharge Waiver
Annual Fee Lifetime Free Card

Annual Fee Offers
Minimum Income Salaried Individuals: ₹20,000 per month
Self – Employed Individuals: ₹6,00,000 per annum

Full Review of the Shoppers Stop Black HDFC Bank Credit Card

Shoppers Stop Black HDFC Credit Card

Features & Benefits – of the Shoppers Stop Black HDFC Bank Credit Card

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

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

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

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

Complimentary insurance covers

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

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
✓ IGP.com
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

Zero lost card liability

24/7 HDFC customer support available

Shoppers Stop Black HDFC Bank 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 age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
OccupationSalaried or self-employed
Minimum income requirementsSalaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year
Credit scoreNot specified, preferably above 750

Application Process & Tracking Your Application Status

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.

Apply Now

on HDFC Bank website

Frequently Asked Questions

How can I apply for the Shoppers Stop Black HDFC Credit Card?

You can apply for the Shoppers Stop Black HDFC Bank Credit Card by clicking here, OR by visiting the HDFC Bank website, OR through HDFC Whatsapp banking service. You can also contact customer service or visit your nearest HDFC Bank branch, they will guide you through the application process.

Can I earn rewards on all purchases made with the Shoppers Stop Black HDFC Credit Card?

While the card offers accelerated benefits for purchases at Shoppers Stop brands, you can also earn attractive rewards on non-Shoppers Stop purchases and spends (except on certain categories, such as rentals and government payments). It’s recommended to refer to the card’s terms and conditions for detailed information, we also have also covered this in our post above.

How can I redeem my reward points earned with the Shoppers Stop Black HDFC Bank Credit Card?

You can redeem your reward points by using them to buy Shoppers Stop vouchers.

What should I do if my Shoppers Stop Black HDFC Bank Credit Card is lost or stolen?

In case of a lost or stolen card, you should immediately report it to the 24-hour call centre of HDFC Bank. They will assist you in blocking the card to prevent any fraudulent transactions and guide you through the necessary steps for a replacement.