Shoppers Stop Black HDFC Bank Credit Card
About Shoppers Stop Black HDFC Bank Credit Card
HDFC Bank Shoppers Stop Black Credit Card by HDFC Bank is engineered for consumers looking for solid rewards on day-to-day transactions with clear fee recovery milestones.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| š½ļøMovie & Dining | Discounts and partner offers on leading dining apps and movie booking platforms. |
| ā”Rewards Rate | 1-2% return on retail spends |
| š°Reward Redemption | Redeemable for vouchers, merchandise, and air miles via bank rewards portal |
| āļøTravel | N/A |
| šļøDomestic Lounge Access | 16 complimentary domestic airport lounge visits per year |
| šInternational Lounge Access | N/A |
| ā³Golf | N/A |
| š”ļøInsurance Benefits | Complimentary lost card liability and fraud protection |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | Annual Charges Waived on Spends of ā¹4,50,000 or MoreSpend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 3.75% Per Month (45.00% Annually)Standard finance charge applicable on revolving retail balances and ATM cash advances until complete settlement (revised w.e.f. August 2024). |
| Late Payment Charges | Nil (Up to ā¹100), ā¹100 (ā¹101āā¹500), ā¹500 (ā¹501āā¹1,000), ā¹600 (ā¹1,001āā¹5,000), ā¹750 (ā¹5,001āā¹10,000), ā¹900 (ā¹10,001āā¹25,000), ā¹1,100 (ā¹25,001āā¹50,000), ā¹1,300 (Above ā¹50,000)Tiered late payment charge based on total outstanding balance if Minimum Amount Due is not paid by payment due date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency conversion fee applicable on overseas transactions and foreign currency billing. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ā¹99 + GST per redemption request (ā¹50 for statement cashback)Applicable on catalogue, gift voucher, or statement cashback redemptions via HDFC NetBanking or SmartBuy. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions between ā¹400 and ā¹5,000 (Max ā¹500 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ā¹15,000/month (Capped at ā¹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ā¹4,999 per transaction. |
| Cash Advance Charges | 2.5% of transaction amount or ā¹500 (whichever is higher)Domestic & International ATMs. Finance charge of 3.75% p.m. applies from the date of withdrawal until full payment. |
| Overlimit Charges | 2.5% of Overlimit Amount (Min ā¹550)Applicable if retail or merchant transactions exceed the sanctioned credit limit (subject to explicit cardholder consent). |
| Rental Transaction Surcharge | 1% fee capped at ā¹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on online skill-based gaming transactions exceeding ā¹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on wallet loading transactions exceeding ā¹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ā¹50,000/month (Capped at ā¹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ā¹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ā¹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ā¹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ā¹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ā¹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Product Details
Pros & Cons
Shoppers Stop Black HDFC Bank Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Welcome & Activation Benefit
Cardholders receive bonus welcome points or partner discount vouchers upon card setup and fee realization.
Accelerated Rewards Framework
Earn high multiplier reward returns on target spending categories such as dining, e-commerce, and travel.
Fuel Surcharge Waiver
1% fuel surcharge reversed on eligible transactions between ā¹400 and ā¹4,000 at all fuel pumps across India.
Milestone Spend Reversals
Annual Charges Waived on Spends of ā¹4,50,000 or More
HDFC Bank Shoppers Stop Black Credit Card Rewards Structure
Transactions made using this card earn reward points redeemable via the bank rewards portal.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| Statement Credit / Cash Voucher | ā¹0.20 to ā¹0.25 | Direct balance adjustment or popular shopping vouchers |
| Travel Bookings & AirMiles | ā¹0.25 to ā¹0.50 | Flight tickets and hotel reservations via bank portal |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for Shoppers Stop Black HDFC Bank Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 ā 60 Years | 21 ā 65 Years |
| Income Proof | Minimum ā¹25,000 Per Month | Minimum ā¹3,60,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
How to Apply for Shoppers Stop Black HDFC Bank Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ā¹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.00% effective benchmark return
Competitive net ROI (150%ā250% or >ā¹6,000 net return)
No monthly or category ceilings
Rewards Catalogue
Domestic (5/5) + Intl (0/3) + Terms (2/2)
3.5% forex markup
Open retail availability
1 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Unrestricted reward cap headroom, broad consumer accessibility and straightforward reward conditions. The score is reduced by the forex markup, restricted redemption options and modest base reward yield.
You need to spend at least ā¹4,53,500 per year (ā¹37,792/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (ā¹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
You can apply online via the official HDFC Bank web portal or mobile app. You will need your PAN, Aadhaar for digital KYC, and salary slips or ITR.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for Shoppers Stop Black HDFC Bank Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
Similar Credit Cards
Top alternative cards comparable to Shoppers Stop Black HDFC Bank Credit Card by rewards, tier, and fees:
