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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 – 8% benefit rate on private label brands and 6% on all other brands available at Shoppers Stop.

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

6% – 8% benefits 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

Shoppers Stop Black HDFC Credit Card : Summary Table

8% special benefit on Shoppers Stop Private Label BrandsYou earn 13.33 First Citizen Points worth ₹8, on every ₹100 you spend on Shoppers Stop Private label brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – only on spends upto ₹15,000 per month (since you can earn a maximum of 2,000 Shoppers Stop First Citizen Points at this accelerated rate , every monthly card statement cycle)
6% special benefit on all other Shoppers Stop BrandsYou earn 10 First Citizen Points worth ₹6, on every ₹100 you spend on all other Shoppers Stop brands (since 1 First Citizen Points = ₹0.60 or 60 paise) – only on spends upto ₹20,000 per month (since you can earn a maximum of 2,000 First Citizen Points at this accelerated rate , every monthly card statement cycle)
2% basic benefit on all other spendsYou earn 3.33 First Citizen Points worth ₹2 , on every ₹100 you spend on all other purchases (since 1 First Citizen Points = ₹0.60 or 60 paise).

Exceptions : No rewards are given on – fuel purchases, wallet loads, rent & utilities, purchase of jewellery/gold coins or equivalents, EMI transactions, account fees and payment
Complimentary visits to airport lounges in India – upto 4 times per quarterYou can check the list of lounges and all other details by clicking here.
Complimentary visits to airport lounges outside India – upto 2 times per quarterYou get free visits to airport lounges outside India – upto 2 times per quarter
Complimentary travel related insurance coversAccidental Air Death Cover : The Shoppers Stop Black HDFC Bank Credit Card provides an 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.
1% fuel surcharge waiver1% fuel surcharge waiver at all fuel stations, AND only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per monthly card statement cycle).
₹4,500 annual feeWelcome offers :
– You earn ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores.
– You also get a complimentary First Citizen Black membership worth ₹4,500.

Renewal offer : You get a complimentary First Citizen Black membership worth ₹4,500.
Minimum income requirementsSalaried : ₹2 lakhs per month
Self-employed : ₹8 lakhs per year (in ITR)

Pros and Cons of Shoppers Stop Black HDFC Credit Card

Pros

  • Attractive reward rate on Shoppers Stop purchases
  • Good reward rate of 2% on non-Shoppers Stop purchases, which helps in accumulating more Shoppers Stop First Citizen points
  • 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, 1year exchange for garments, the highest First Citizen points earn rate (including end of season sales), free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.

Cons

  • Attractive rewards are limited to Shoppers Stop, hence only suitable for those who like shopping frequently at Shoppers Stop
  • High annual fee, the card does not offer attractive annual fee offers – hence only suitable for heavy users/customers of Shopper Stop

Comparing with Competitor Fuel Credit Cards

Features
Shoppers Stop Black HDFC Credit Card
Our Rating
       
APPLY NOW
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

8% special benefit when you purchase Shoppers Stop private label brands

➤ Earning accelerated reward points (First Citizen points) : You earn 20 First Citizen points on every ₹150 you spend on your card = 13.33 reward points on every ₹100 you spend = ₹8 on every ₹100 you spend on your card (since 1 First Citizen point = ₹0.60 or 60 paise).

You also get automatically get enrolled to the Black Tier of the Shoppers Stop First Citizen Program. First Citizen refers to the Loyalty program of Shoppers Stop Ltd (SSL), rewarding customers with First Citizen Points for retail transactions at Shoppers Stop outlets. It is valid at Shoppers Stop, HomeStop, Arcelia, Crossword (SSL operated stores) and SSL operated stores of MAC, CLINIQUE, ESTEE LAUDER, BOBBY BROWN and SMASHBOX. For more details, please click here. Black Tier members enjoy additional benefits such as no-queue billing, assisted shopping by a personal shopper, access to the First Citizen Black Lounge, 1-year exchange for garments, the highest First Citizen points earn rate (including End of Season Sales), free beauty makeover for birthdays and anniversary, and an annual Black Day-exclusive online sale.

➤ Limits on special benefits : This special benefit is valid on Shoppers Stop private label purchases only upto ₹15,000 per month, since the maximum number of special / accelerated reward points is 2,000 reward points per monthly card statement cycle. After the first ₹15,000 spent in this category during the month, you shall receive a basic benefit rate of 2% on all additional spends (5 First Citizen points worth ₹3, on each additional ₹150 you spend).

➤ Redeeming reward points (First Citizen points) : You can redeem your First Citizen points on shopping at all Shoppers Stop Stores. 1 First Citizen point = ₹0.60 or 60 paise

➤ Other Important Information : Reward points are valid for two years.

6% special benefit on all other Shoppers Stop brands

➤ Earning reward points (First Citizen points) : You earn 15 First Citizen points on every ₹150 you spend on your card = 10 reward points on every ₹100 you spend = ₹6 on every ₹100 you spend on your card (since 1 First Citizen point = ₹0.60 or 60 paise).

➤ Limits on special benefits : This special benefit is valid on Shoppers Stop Private label purchases only upto ₹20,000 per month, since the maximum number of special / accelerated reward points is 2,000 reward points per monthly card billing cycle. After the first ₹20,000 spent in this category during the month, you shall receive a basic benefit rate of 5 First Citizen points worth ₹3, for each additional ₹150 you spend.

➤ Redeeming reward points (First Citizen points) : as explained in the above section

2% basic benefit on all other spends

➤ Earning reward points (First Citizen points) : You earn 5 First Citizen points on every ₹150 you spend on your card = 3.33 reward points on every ₹100 you spend = ₹2 on every ₹100 you spend on your card (since 1 First Citizen point = ₹0.60 or 60 paise).

➤ Limits on basic benefits : There is no monthly limit to earn these basic benefits

➤ Redeeming reward points (First Citizen points) : as explained in the above section

Complimentary visits to airport lounges in India – upto 4 times per quarter

To use the Participating Airport Lounge, a customer’s card must be validated at point of entry by swiping a transaction of a nominal charge. If a customer has exceeded the quota of complimentary domestic airport lounge accesses as per the product feature, the transaction will get declined and the same will be informed to the customer by the lounge personnel.

Validation charges on various card variants are as under : For Mastercard Cards, Rs.25 will be charged and immediately made void at the terminal for validation. For Visa and RuPay Cards, Rs.2 will be charged to the card account as a transaction for validation

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

Complimentary visits to airport international lounges outside India – upto 2 times per quarter

Shoppers Stop Black HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹4,500Welcome Offers
– You earn ₹1500 worth of Shoppers Stop vouchers, on minimum shopping of ₹5,000 at Shoppers Stop stores.
– Cardholders get a complimentary First Citizen Black membership worth ₹4,500.
Renewal fee from 2nd year onwards₹4,500Cardholders get a complimentary First Citizen Black membership worth ₹4,500.

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 : ₹2,00,00 per month
Self-employed : ₹8,00,00 per annum
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.

Other Benefits for Cardholders

1% fuel surcharge waiverApplicable fuel stations and brands : 1% fuel surcharge waiver at all fuel stations.

Monthly limits on waiver benefits : Applicable only on fuel spends upto ₹50,000 per month (since the maximum waiver amount is capped at ₹500 per monthly card statement cycle).
Smart EMIThe Shoppers Stop Black HDFC Bank Credit Card provides you with the flexibility to convert your significant expenses into easy monthly instalments (EMI), after making the purchase. This option allows you to manage your finances effectively and make larger purchases more affordable. To learn more about this feature, click here.
24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless paymentLook for the contactless network symbol on your card to determine if your credit card is contactless. In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.
Zero lost card liabilityIn case of the unfortunate circumstance of misplacing 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.

Conclusion

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 First Citizen points by visiting Shoppers Stop outlets or their digital stores. You can use your points to pay for your various purchases at Shoppers Stop.

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.

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