HDFC Bank
Shoppers Stop Black HDFC Bank Credit Card
Data last verified: 11 October 2026
- Joining fee₹4,500 + GST
- Annual fee₹4,500 + GST
- Reward rate2% on most spends; 7% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹4,500 + GST
- Annual fee₹4,500 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
Shoppers Stop Black earns reward points worth 7% on Shoppers Stop purchases, in store and online, and 2% on all other spends. A point is worth about Rs 1. You get a Shoppers Stop voucher worth Rs 4,500 as a welcome gift, which matches the first-year fee.
The fee is ₹4,500 a year and there is no spend-based waiver, so it comes back every year. At 2% on general spends, you need about Rs 2.25 lakh of regular spend a year just to earn back the fee, less if you shop at Shoppers Stop.
It suits people who shop at Shoppers Stop regularly and also fly. You get 16 domestic and 8 international lounge visits a year and air accident cover of Rs 3 crore. The catch is the recurring fee with no waiver.
Best for: Regular Shoppers Stop customers, Frequent flyers, High spenders who want a strong flat rate.
01Shoppers Stop Black HDFC Bank Credit Card Rewards and Benefits
02Shoppers Stop Black HDFC Bank Credit Card Annual Fee and Charges
- Joining fee
- ₹4,500 + GST
- Annual fee
- ₹4,500 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 2%₹400
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST−₹5,310
- It costs you each year₹510
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Shoppers Stop stores and shoppersstop.com: 7% back
- Flyers: 24 airport lounge visits a year
Skip it if…
- you spend less than ₹22,500 a month: below that the ₹5,310 fee costs more than the rewards
- most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
- you rarely spend on Shoppers Stop stores and shoppersstop.com: the 7% rate applies only there, everything else earns 2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹4,500, no spend-based waiver
- 7% back as points on Shoppers Stop spends
- 2% back on other spends
- ₹4,500 Shoppers Stop voucher as a welcome gift
- 16 domestic and 8 international lounge visits a year
- Air accident cover of ₹3 crore
05Pros and Cons
Pros
- 2% back on all regular spends
- 7% at Shoppers Stop
- Welcome voucher matches the fee
- 24 lounge visits a year
Cons
- Fee is charged every year with no waiver
- The 7% rate is limited to one retailer
- Needs a monthly income of about ₹70,000
06How Shoppers Stop Black HDFC Bank Credit Card earns Rewards
2% on most spends; 7% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 2% | No cap | The card's normal rate |
| Online shopping | 2% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 7% | No cap | Only at: Shoppers Stop stores and shoppersstop.comTerms: 7% Reward Points on every Shoppers Stop purchase, in-store and online. Points are worth ₹1 each against Shoppers Stop vouchers and about ₹0.20 to 0.25 on every other redemption route. |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | Earns nothing | - | earns nothing on this card |
| Travel: flights, hotels, trains | 2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 2% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | 2% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 2% | No cap | The card's normal rate |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. 2% Reward Points on every non-Shoppers Stop purchase. Supermarkets, fuel, rent, wallet and gift-card loads, government payments, EMI, insurance and jewellery earn nothing.
07Shoppers Stop Black HDFC Bank Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is 8 visits a year. 16 complimentary domestic lounge visits a year (4 per quarter) and 8 international visits a year (2 per quarter). Spending abroad carries a 3.5% forex markup; rewards on it: 2% back (the normal rate). See what it costs on your trip
Also on the card. insurance cover, airport lounge access, milestone bonuses.
- Insurance cover: Accidental air death cover of ₹3 crore
- Milestone bonuses: ₹2,000 in Reward Points for a single Shoppers Stop purchase of ₹50,000 or more, claimable once a calendar month
08Shoppers Stop Black HDFC Bank Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹70,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to Shoppers Stop Black HDFC Bank Credit Card
Shoppers Stop Black HDFC Bank Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Shoppers Stop Black HDFC Bank Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹4,500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹4,500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 2% on most spends; 7% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 16 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹4,500 fee waived?
No. There is no spend-based waiver, so the fee plus GST is charged each year.
What is the welcome gift?
A Shoppers Stop voucher worth ₹4,500.
How many lounge visits do I get?
16 domestic and 8 international visits a calendar year.
Who can apply?
Applicants aged 21 to 60 with a monthly income of about ₹70,000.
What is the joining fee for the Shoppers Stop Black HDFC Bank Credit Card?
The joining fee is ₹4,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Shoppers Stop Black HDFC Bank Credit Card?
The annual fee is ₹4,500 + GST.
Does the Shoppers Stop Black HDFC Bank Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Short reads that explain how it works before you decide.
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