Shoppers Stop Black HDFC Bank Credit Card
Shopping
Co-branded
Reward Points
1st Year Fee: ₹4,500* Plus Applicable Taxes
Co-branded
Shoppers Stop Black Membership
Shopping
7% reward points on Shoppers Stop
Rewards
2% rewards on everyday spends
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About Shoppers Stop Black HDFC Bank Credit Card
HDFC Shoppers Stop Black Credit Card is the premium variant of Shoppers Stop HDFC Bank Credit Card, offering an enhanced value back of 7% on Shoppers Stop spends. Besides this, cardholders can earn 2% value back on other spends in the form of reward points. The accumulated reward points can be redeemed against Shoppers Stop vouchers at a 1:1 ratio.
Apart from the value back, what sets this card apart from the base variant is that it offers complimentary domestic and international lounge visits every year. Additionally, cardholders can also redeem the reward points against air miles and travel bookings through the SmartBuy portal at a 2:1 ratio, which is good, especially considering this is a co-branded credit card.
Also, similar to the base variant, this card surpasses its joining fee of Rs. 4,500 by offering a complimentary Shoppers Stop Black Membership worth Rs. 4,500 and a Shoppers Stop discount voucher worth Rs. 1,500 as welcome benefits.
Consumers who frequently shop at Shoppers Stop can maximize the benefits of this card. However, if you frequently travel, you can also save on your travel spends through this card via complimentary lounge access and redemption of rewards against travel bookings.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Rewards Program
Reward Earning
- 7% reward points on Shoppers Stop spends, maximum 2,000 reward points in a month
- 2% reward points on non-Shoppers Stop spends, maximum 2,000 reward points in a month1,2
Reward Points Redemption
- Redeem against Shoppers Stop vouchers at a value of 1 Reward Point = Rs. 1
- Redeem rewards against airmiles and travel bookings through SmartBuy at a value of 1 Reward Point = Rs. 0.5/Airmile
- Redeem against product catalogue at a value of 1 Reward Point = Rs. 0.35
- Redeem against cashback at a value of 1 Reward Point = Rs. 0.20
Other Features & Benefits
Welcome Benefits
- Complimentary Shoppers Stop Black Membership worth Rs. 4,500
- Shoppers Stop discount voucher worth Rs. 1,500, redeemable on any bill value
Lounge Access
- 16 complimentary domestic lounge visits every year, max. 4 per quarter
- 8 complimentary international lounge visits in a year, up to 2 per quarter
Fuel Benefit
- 1% fuel surcharge waiver, up to Rs. 500 per month, across all fuel stations in India, on fuel spends between Rs. 400 and Rs. 5,000
Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 4,500 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 4,500 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You frequently shop at Shoppers Stop and prefer earning reward points
You prefer redeeming accumulated rewards against Shoppers Stop vouchers to maximize benefits
You are looking for a card with basic travel benefits, such as complimentary lounge access
You are ready to pay a high annual fee of Rs. 4,500
Eligibility Criteria
Age: 21 to 65 years
Occupation: Salaried or Self-employed
Income: Rs. 70,000 per month for Salaried
Income: Rs. 8.4 LPA for Self-employed
Paisabazaar Review
What do we like about this card?
HDFC Shoppers Stop Black Credit Card offers 7% value back on Shoppers Stop spends in the form of reward points, which can later be redeemed against Shoppers Stop vouchers at a 1:1 ratio. For loyal Shoppers Stop customers, the card also offers complimentary Shoppers Stop Black Membership and a voucher worth Rs. 4,500—compensating for the joining fee. However, being a co-branded card, it also offers a decent number of international and domestic lounge visits, enhancing the overall value of this card for frequent travellers as well.
Pros
- 7% value back on Shoppers Stop spends
- Redemption of rewards against Shoppers Stop vouchers at a 1:1 ratio
- Complimentary domestic and international lounge visits
- Complimentary Shoppers Stop membership and voucher as welcome benefits
Cons
- No annual fee waiver offered
- Low redemption value against cashback and travel bookings
- Maximum capping on earned reward points
Conclusion
Overall, Shoppers Stop Black HDFC Bank Credit Card is a suitable choice for Shoppers Stop customers looking to maximize their benefits through reward points. Cardholders can make the most of this card by redeeming reward points against Shoppers Stop spends. However, the card also becomes a reasonable pick for frequent travellers due to the complimentary international and domestic lounge visits, along with the redemption of rewards against airmiles or travel bookings through SmartBuy at a value of 1 RP = Rs. 0.50/Airmile.
Frequently Asked Questions
Everything you need to know about this credit card
To apply for this credit card, your age must be between 21 and 65 years. Besides this, if you are a salaried individual, you must have a monthly income of Rs. 70,000, and for self-employed individuals, the annual income requirement is Rs. 8.4 LPA.
Yes, the card offers 16 complimentary domestic lounge visits per year, with a maximum of 4 visits per quarter, and 8 complimentary international lounge visits every year, with a maximum of 2 visits per quarter.
You can apply for this credit card online by visiting the official website of HDFC Bank and submitting the duly filled application form along with the required documents. Besides this, if you want to apply offline, you can visit the nearest branch of HDFC Bank and contact an executive regarding the offline application process.
Yes, you can avail 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000. You can earn a maximum waiver of Rs. 500 per month.
Yes, you can earn 7% rewards on Shoppers Stop spends, with a monthly capping of 2,000 points, and 1% rewards on other spends, with a monthly capping of 2,000 points.
No, Shoppers Stop HDFC Bank Credit Card does not offer an annual fee waiver. You are required to pay an annual fee of Rs. 4,500 every year.
Footnotes
- No reward points will be offered on rental and government payments.
- Reward points earned on grocery spends will be capped at 1,000 points per month per customer.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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