Shoppers Stop Black HDFC Bank Credit Card credit card
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Shoppers Stop Black HDFC Bank Credit Card

HDFC logo HDFC
8.1
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
4.5
Feature Depth
6.5
Bank Trust
9.0
How we score →
Annual Fee
₹4,500
Forex Markup
3.5%
Reward Rate
2%
Up to 7%
Lounge Access
4
domestic | 2 intl

About This Card

The Shoppers Stop Black HDFC Bank Credit Card is a premium lifestyle card offering 7% value back at Shoppers Stop and 2% elsewhere. Includes excellent lounge access (16 domestic + 8 international) and a Rs 4,500 welcome voucher. However, the Rs 4,500 annual fee has no waiver, making it best suited for regular Shoppers Stop shoppers.

Pros & Cons

Pros

  • 7% rewards on Shoppers Stop is excellent for loyal shoppers
  • Generous lounge access (16 domestic + 8 international per year)
  • Welcome voucher of Rs 4,500 effectively covers first year fee
  • 2% base reward rate on all other spends

Cons

  • Rs 4,500 annual fee with no spend-based waiver
  • Niche value — only worth it for regular Shoppers Stop customers
  • Grocery reward points capped at 1,000/month
  • 3.5% forex markup

Fee Details

Annual Fee
₹4,500
Joining Fee
₹4,500
Fee Waiver Condition
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
2%
Max Rate
7%
Currency
Reward Points
Welcome Bonus
Shoppers Stop Black Membership + Rs 4,500 voucher

Lounge Access

Domestic Lounges
4
per quarter
International Lounges
2
per quarter

Key Highlights

  • 7% value back on Shoppers Stop spends
  • 2% value back on all other spends
  • 16 domestic + 8 international lounge visits per year
  • Complimentary Shoppers Stop Black Membership
  • Rs 4,500 Shoppers Stop voucher compensates joining fee

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Active Offers (1)

All offers
Offer 25d left

10% instant discount on Amazon

Get 10% instant discount up to Rs 1,500 on Amazon.in purchases over Rs 5,000. Valid on all HDFC credit cards.

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Quick Summary

Best For
shopping lifestyle
Annual Fee ₹4,500
Base Reward 2%
Max Reward 7%
Forex Markup 3.5%
Network Visa
Min Income ₹8L+

CardTrail Score

8.1
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

shopping lifestyle lounge

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