Shoppers Stop Black HDFC Bank Credit Card
HDFC Bank · Visa · Premium card
A strong store-loyalty card for high Shoppers Stop spenders who also use premium lounge benefits.
Frequent Shoppers Stop customers who travel often enough to value the lounge package.
Terms checked 23 Sept 2026
- Annual fee
- ₹4,500 + GST
- Joining fee
- ₹4,500 + GST
- Base reward rate
- 2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 2% |
| Dining & delivery | 2% |
| Travel & hotels | 2% |
| Bills & utilities | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Education & family | 2% |
| Healthcare & pharmacy | 2% |
| Subscriptions & streaming | 2% |
| Offline store shopping | 2% |
| International spending | 2% |
| Other miscellaneous | 2% |
| Groceries & essentials | 0% |
| Fuel & commute | 0% |
| Gold & jewellery | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Approx. ₹70,000/month
Airport lounge access
16 domestic airport lounge visits per year • 8 international airport lounge visits per year
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
2 international airport lounge visits per quarter · Priority Pass
Guest access: Chargeable
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 3 items
Shoppers Stop purchases
Usage-based valueSeven points per ₹100 on eligible Shoppers Stop transactions of at least ₹150.
Conditions: Seven points per ₹100 on eligible Shoppers Stop transactions of at least ₹150.
Other eligible purchases
Usage-based valueTwo points per ₹100 on other eligible purchases of at least ₹150; the current table, examples and product page support 2% despite an isolated legacy 1% heading in the PDF.
Conditions: Two points per ₹100 on other eligible purchases of at least ₹150; the current table, examples and product page support 2% despite an isolated legacy 1% heading in the PDF.
7% Reward Points at Shoppers Stop and 2% on other eligible purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹4,500₹4,500 annual fee before applicable tax.
Joining fee
Cost ₹4,500₹4,500 one-time joining fee before applicable tax.
Welcome benefits · 2 items
₹1,500 Shoppers Stop voucher
Recorded value ₹1,500Fixed-face-value welcome voucher for eligible Shoppers Stop use.
Conditions: Pay the applicable joining fee · Pay for the eligible voucher purchase with the card · Voucher validity and issuer fulfilment terms apply
Shoppers Stop Black membership
Shown without a cash valueComplimentary membership with issuer-stated ₹4,500 face value; no cash-equivalent value is assumed.
Conditions: Activate the card · Membership and partner terms apply
Airport lounge access · 2 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: not specified.
International lounge access
Usage-based value2 visits per quarter through Priority Pass. Guest access: chargeable.
Insurance and protection · 4 items
Air-death cover up to ₹3 crore
Shown without a cash valueOverseas emergency-hospitalisation cover up to ₹50 lakh
Shown without a cash valueCredit-liability cover up to ₹9 lakh
Shown without a cash valueWeekend ₹50,000 Shoppers Stop purchase benefit and extensive travel protection
Shown without a cash value
Memberships · 1 item
Complimentary Shoppers Stop Black membership with issuer-stated ₹4,500 face value
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹70,000. The current eligibility page publishes ₹70,000 gross monthly income for salaried applicants.
Other benefits · 2 items
₹1,500 benefit on an eligible single ₹50,000 Shoppers Stop weekend purchase, up to five times yearly
Shown without a cash value1% fuel-surcharge waiver capped at ₹500 per statement cycle
Shown without a cash value
Other categories (9)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 7% Reward Points at Shoppers Stop and 2% on other eligible purchases
- ✓ ₹1,500 welcome voucher plus complimentary Shoppers Stop Black membership
- ✓ Sixteen domestic and eight international lounge visits yearly
- ✓ Weekend ₹50,000 Shoppers Stop purchase benefit and extensive travel protection
What to watch
Cash redemption values points at only ₹0.20; the ₹1 rate is for Shoppers Stop vouchers. Store and non-store earn have separate monthly caps, and no annual-fee waiver is published.
Recorded exclusions
Fuel Commute · Groceries · Rent · Insurance · Gold Jewellery · Wallet load · Government payments · Tax payments · Emi · Vending food · Liquor · Bakeries · Cash withdrawal · Travellers cheques
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026