HDFC Bank
VISA•••• •••• •••• 4242
Shoppers Stop BLACK HDFC Bank Credit Card
Shoppers Stop BLACK HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹4,500
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About Shoppers Stop BLACK HDFC Bank Credit Card
7% RP on Shoppers Stop; 2% all other. SS Black membership (₹4,500). 16 domestic + 8 intl lounge visits/year. ₹2,000 RP milestone on ₹50K weekend SS spend. Air accident ₹3Cr + overseas hosp ₹50L. 1% fuel waiver.
Best For
Pros & Cons
thumb_upPros
- check_circle16 Domestic + 8 Intl Lounge Visits/Year
- check_circleShoppers Stop Black Membership
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹4,500 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 7% | 700 pts≈ ₹175 |
| All other spends | 2% | 200 pts≈ ₹50 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the HDFC Bank rewards portal. Redemption value may vary by option.
Card Benefits
Shoppers Stop Black Membership
Complimentary Shoppers Stop Black membership (₹4,500 value).
16 Domestic + 8 Intl Lounge Visits/Year
16 domestic (4/quarter) + 8 international (2/quarter) lounge visits annually.
Air Accident Cover – ₹3 Crore
Air accident cover of ₹3 crore.
Overseas Hospitalisation – ₹50 Lakh
Emergency overseas hospitalisation cover of ₹50 lakh.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹50,000 (MONTHLY)
₹2,000 in Reward Points on ₹50,000 Shoppers Stop weekend purchase per month.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | ₹4,500 |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹1,80,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹1,80,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Shoppers Stop BLACK HDFC Bank Credit Card.
Ready to apply for Shoppers Stop BLACK HDFC Bank Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.