HDFC

HDFC Shoppers Stop Black Credit Card

Apply for HDFC Shoppers Stop Black Credit Card and earn 7% rewards on SS spends, 24 free lounge visits/year, and a complimentary SS Black Membership worth ₹4,500. Best for SS loyalists.

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Issued by

HDFC

HDFC Shoppers Stop Black Credit Card image
Joining Fee₹4500
Annual Fee₹4500
Income₹70000
Credit Score720

Key Highlights

Earn 7% Reward Points on Shoppers Stop

Spends on all online and offline purchases at Shoppers Stop, capped at 2,000 reward points per month

Travel

Enjoy 16 Domestic and 8 International Lounge

Visits per year (maximum 4 domestic and 2 international per quarter), along with accidental air death cover of ₹3 crore and emergency overseas hospitalization cover up to ₹50 lakh

Shopping

Get Complimentary Shoppers Stop Black Membership

worth ₹4,500 on card issuance, with exclusive discounts, offers and First Citizen Black tier privileges

Enjoy 16 Domestic and 8 International Lounge

Visits per year (maximum 4 domestic and 2 international per quarter)

Earn 2% Reward Points

on all other Non - Shoppers Stop spends, capped at 2,000 points per month

Shopping

Earn ₹1,500 Benefit for ₹50,000 Purchase

at Shoppers Stop on weekends (capped 5 times per year)

Earn ₹2,000 on Weekend Spends of ₹50,000

at Shoppers Stop on weekends, once per month, capped at 5 times per year

Eligibility

Age Criteria21-60

Age between 21 and 60 years required for salaried applicants.

Credit Score720

A minimum credit score of 720 is recommended for approval.

Salaried Income₹8.4 LPA

A minimum annual income of ₹8.4 LPA is required to apply for this card, as per bank eligibility criteria.

Self-employed Income₹8.4 LPA

A minimum annual income of ₹8.4 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹4500

A one-time joining fee of ₹4,500 plus applicable taxes is charged at the time of card issuance as per the bank's policy.

Joining Fee OffsetShoppers Stop voucher worth ₹1,500 on any transaction at Shoppers Stop.
Annual Fee₹4500

Not Applicable

Annual Fee WaiverThe annual fee is not waived under any spending conditions.
Estimated Annual Saving₹200000

Rewards & Redemption

Reward Conversion1 reward point = ₹1
Redemption Options
  • Shoppers Stop vouchers
  • Airmiles/Travel Bookings (via SmartBuy)
  • Cashback
  • Product Catalogue
Earning ExclusionsFuel, Insurance, DCC (Dynamic Currency Conversion) transactions, International transactions
Spend ExclusionsFuel, Insurance, DCC (Dynamic Currency Conversion), Gold and Jewelry, Cash Withdrawals, EMI, Balance Transfer

Benefits

All Benefits

  • 20 First Citizen points per ₹200 spent on private label brands at Shoppers Stop (unlimited)
  • 12 First Citizen points per ₹200 spent on beauty products and other brands at Shoppers Stop (unlimited)
  • 2 First Citizen points per ₹200 spent on all other eligible spends (unlimited)1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.
  • 15% instant discount on EazyDiner on orders above ₹2,500, up 

 

Welcome Benefits

  • Complimentary Shoppers Stop vouchers worth ₹2,250 redeemable at Shoppers Stop and HomeStop on card issuance
  • 300 First Citizen reward points (worth ₹300) on first transaction within 30 days of card issuance
  • Complimentary First Citizen Club Golden Glow Membership on card issuance, with benefits including 45-day extended exchange period, free home delivery and birthday offers

Airport Lounge Benefits

  • Enjoy 16 Domestic and 8 International Lounge visits per year, maximum 4 domestic and 2 International per quarter 

Dining Benefits

  • 15% instant discount on EazyDiner on orders above ₹2,500, up to ₹500 per month

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000, capped at ₹400 per statement month

Bank Offers

  • Exclusive access to 2 end-of-season sales and 1 festive sale per year at Shoppers Stop.</li><li>Free home delivery on in-store and online purchases made using the card

Milestone Benefits

Minimum Spend₹50000
Within30 days
Reward Points Bonus2000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.

FAQ

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