CardIntel Canonical Product Family
Shoppers Stop HDFC Bank Credit Cards
Premier retail fashion rewards with accelerated First Citizen points.
Co-branded retail cards offering tier-upgrades to First Citizen Club, shopping vouchers, and accelerated reward points on fashion and department store spends.
CardIntel Canonical Architecture Note: Legally issued by HDFC Bank Limited in partnership with Shoppers Stop Limited.
2 Product Tier Variants
Jump to Full Variant Comparison
HDFC Bank Shoppers Stop Credit Card
Official credit card issued by HDFC Bank (Shoppers Stop HDFC Bank Credit Card). Features verified MITC terms, rewards, and eligibility.
Annual Fee
₹299
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
HDFC Bank Shoppers Stop Black Credit Card
Official credit card issued by HDFC Bank (Shoppers Stop Black HDFC Bank Credit Card). Features verified MITC terms, rewards, and eligibility.
Annual Fee
₹4500
Forex Markup
3.50%
Network
Visa
Rewards
Reward Points
Full Deterministic Variant Comparison
Compare Shoppers Stop HDFC Bank Series Variants & Specifications
Full specification comparison across fees, reward return schedules, airport lounge access, UPI support, and eligibility criteria.
| Specification / Metric | Shoppers Stop HDFC | Shoppers Stop Black HDFC |
|---|---|---|
| 1. Product Identity & Network | ||
| Official Product Name | HDFC Bank Shoppers Stop Credit Card | HDFC Bank Shoppers Stop Black Credit Card |
| Legal Card Issuer | HDFC Bank(BANK) | HDFC Bank(BANK) |
| Payment Network | Visa | Visa |
| Form Factor | Physical + Virtual | Physical + Virtual |
| 2. Fees & Spend Waivers | ||
| Joining Fee | ₹299 + GST | ₹4500 + GST |
| Annual Renewal Fee | ₹299 + GST | ₹4500 + GST |
| Renewal Waiver Rule | Applicable as per MITC | Applicable as per MITC |
| 3. Rewards & Cashback Return | ||
| Reward Currency | Reward Points | Reward Points |
| Base Reward Rate | 1-2% return on retail spends | 1-2% return on retail spends |
| Accelerated Multipliers | Partner merchant tier benefits apply | Partner merchant tier benefits apply |
| Monthly Reward Capping | Subject to standard category fair-use caps | Subject to standard category fair-use caps |
| 4. Travel, Lounge & Forex | ||
| Forex Markup Fee | 3.50% | 3.50% |
| Domestic Lounge Access | None | 16 visits/yr |
| International Lounge | Priority Pass standard rates apply | Priority Pass standard rates apply |
| 5. UPI Payments & Utilities | ||
| RuPay UPI QR Support | Not Available (POS/Online) | Not Available (POS/Online) |
| Fuel Surcharge Waiver | 1% waiver (spends ₹400 – ₹5,000) | 1% waiver (spends ₹400 – ₹5,000) |
| 6. Eligibility & Underwriting | ||
| Minimum Monthly Income | ₹25,000 to ₹50,000/month | ₹25,000 to ₹50,000/month |
| Recommended CIBIL Score | 720+ | 720+ |
| Card Terms & Review | Full Card Specs | Full Card Specs |
100% verified against official banking MITC filings and partner regulatory schedules.
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