HDFC Bank
HDFC Bank Shoppers Stop Black Credit Card
Premium Shoppers Stop co-brand with First Citizen Black tier benefits
₹2,500/yr annual fee · 5x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Shoppers Stop Black member
- Premium shopping spender
- Lifestyle cardholder
-
What we like
- 5x rewards on Shoppers Stop spend
- First Citizen Black tier membership benefits
- ₹5,000 welcome Shoppers Stop vouchers
-
Watch out for
- ₹2,500 non-waiver joining fee
- Spend threshold of ₹3 lakh/year required to waive annual fee
- Standard 3.5% forex markup
Annual fee
₹2,500/yr
Reward rate
5x
Min. income
₹6,00,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹6 lakh/yr · CIBIL 750+
Reward cap
Not explicitly stated
Welcome benefit
₹1,500 Shoppers Stop voucher on annual spends ≥ ₹2,50,000; ₹3,000 on ≥ ₹5,00,000.
HDFC Bank Shoppers Stop Black Credit Card review: premium Shoppers Stop co-brand Visa for First Citizen Black tier members with high rewards, milestone vouchers, and welcome benefits.
Who is this for
- Shoppers Stop Black member
- Premium shopping spender
- Lifestyle cardholder
What we like
- 5x rewards on Shoppers Stop spend
- First Citizen Black tier membership benefits
- ₹5,000 welcome Shoppers Stop vouchers
Watch out for
- ₹2,500 non-waiver joining fee
- Spend threshold of ₹3 lakh/year required to waive annual fee
- Standard 3.5% forex markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5 Reward Points per ₹150 on retail spend; 5 Reward Points per ₹150 at Shoppers Stop; 2 Reward Points per ₹150 on util… | Not explicitly stated | Redeemable via HDFC rewards portal; First Citizen Black tier points at Shoppers Stop |
| SHOPPING | 5.00 | — | 0.50 |
| DINING | 5.00 | — | 0.50 |
Benefits
-
5x Rewards at Shoppers Stop Highlight
5 Reward Points per ₹150 on Shoppers Stop spend — accelerated earn rate.
-
First Citizen Black Tier Benefits Highlight
First Citizen Black tier benefits at Shoppers Stop: priority checkouts, exclusive sale previews, free shipping.
-
Welcome Vouchers Highlight
₹5,000 Shoppers Stop welcome vouchers on payment of joining fee.
-
Domestic Lounge Access
2 complimentary domestic airport lounge visits per quarter.
-
Milestone Vouchers
₹1,500 Shoppers Stop voucher on annual spends ≥ ₹2,50,000; ₹3,000 on ≥ ₹5,00,000.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹6,00,000
- Min. credit score
- 750+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed; existing First Citizen Black members get instant approval
HDFC Bank Shoppers Stop Black Credit Card is the premium Shoppers Stop co-brand for First Citizen Black tier members. It targets premium shopping spenders with high rewards and exclusive tier benefits.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 5 Reward Points per ₹150 on Shoppers Stop and retail spend
- Forex markup: 3.50%
Shoppers Stop benefits
- 5x rewards at Shoppers Stop
- ₹5,000 welcome Shoppers Stop vouchers
- First Citizen Black tier benefits (priority, exclusive previews, free shipping)
- ₹1,500 milestone voucher on ₹2.5 lakh spend; ₹3,000 on ₹5 lakh
- 2 domestic lounge visits per quarter
Eligibility
Minimum annual income ₹6,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank Shoppers Stop Black Credit Card apply walkthrough →
Apply for HDFC Bank Shoppers Stop Black Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank Shoppers Stop Black Credit Card worth it?
What is the annual fee for the HDFC Bank Shoppers Stop Black Credit Card?
How does the HDFC Bank Shoppers Stop Black Credit Card reward rate work?
What are the eligibility requirements for the HDFC Bank Shoppers Stop Black Credit Card?
Does the HDFC Bank Shoppers Stop Black Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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