Super-Premium Retail Fashion & Luxury Department Store Privileges
Affluent department store shoppers, fashion enthusiasts, and frequent domestic and international flyers.
₹4,500
One-time upfront₹4,500
No spend-based fee waiver2 Reward Points per ₹150 spent on all other retail transactions (1.33% return)
On eligible spends16 Domestic + 8 International visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Shoppers Stop Black HDFC Bank Credit Card represents the pinnacle tier of HDFC's retail co-branded portfolio, targeting affluent consumers whose wardrobe and beauty spending centers on Shoppers Stop, Home Stop, and premium brand concessions. Carrying an annual fee of ₹4,500 plus GST, the card immediately justifies its cost through ₹4,500 worth of Shoppers Stop vouchers as a welcome and annual renewal gift. In terms of reward velocity, the card delivers an exceptional 20 First Citizen Reward Points per ₹150 spent on Shoppers Stop private label brands (like Stop, Life, Haute Curry, and Fratini) and 15 points per ₹150 on other partnered brands at store counters. With each First Citizen Point valued at ₹0.60, this translates to an effective valueback of up to 8% to 10% on departmental purchases. Beyond department store aisles, the card functions as a capable luxury travel tool: cardholders receive 8 complimentary domestic airport lounge visits per year (2 per quarter) plus 4 complimentary international airport lounge visits per year via Priority Pass. However, its non-store baseline reward rate of 5 points per ₹150 on other retail categories is relatively pedestrian, meaning this card must not be used as an all-purpose daily driver outside fashion and travel. For shoppers who consistently spend ₹1 Lakh or more annually across Shoppers Stop outlets, the combination of complimentary Black Tier membership, priority store alterations, personal shopper assistance, and lounge access makes it an elite retail asset.
Earn 20 Reward Points per ₹150 (13.33% valueback) on private apparel labels including STOP, Life, Fratini, and Kashish.
Enjoy 16 complimentary domestic airport lounge visits/year (4/quarter) in India and 8 international visits/year (2/quarter) worldwide via Priority Pass.
Complimentary First Citizen Black Tier membership granting access to exclusive in-store First Citizen lounges, dedicated checkout counters, and personal shoppers.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Shoppers Stop Private Brands | 20 Reward Points per ₹150 spent on Shoppers Stop Private Label Brands (13.33% return; 1 RP = ₹1.00 on vouchers) | 2,000 Reward Points/mo | Standard terms apply |
| Shoppers Stop Partner Brands | 8 Reward Points per ₹150 spent on Shoppers Stop Partner Brands (5.33% return; 1 RP = ₹1.00 on vouchers) | 2,000 Reward Points/mo | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹150 on all other non-Shoppers Stop retail spends (1.33% base return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Shoppers Stop Private Brands | ₹6,000 | 20 Reward Points per ₹150 spent on Shoppers Stop Private Label Brands (13.33% return; 1 RP = ₹1.00 on vouchers) | — | ₹2,000/monthly | Calculating... | Under cap |
| Shoppers Stop Partner Brands | ₹6,000 | 8 Reward Points per ₹150 spent on Shoppers Stop Partner Brands (5.33% return; 1 RP = ₹1.00 on vouchers) | — | ₹2,000/monthly | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹150 on all other non-Shoppers Stop retail spends (1.33% base return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹4,500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹4,500 + GST; Annual Renewal Fee: ₹4,500 + GST. • Fee Waiver: Spend ₹4,00,000 or more in the preceding 12 months to waive the ₹4,500 renewal fee. • Welcome Benefit: ₹4,500 worth of Shoppers Stop vouchers upon fee payment and card activation. • In-Store Rewards: 20 First Citizen Points per ₹150 on private brands; 15 points per ₹150 on other brands at Shoppers Stop. • General Retail Rewards: 5 First Citizen Points per ₹150 on eligible retail spending outside Shoppers Stop. • Point Valuation: 1 First Citizen Point = ₹0.60 when redeemed against purchases at Shoppers Stop counters. • Airport Lounges: 8 complimentary domestic lounge visits per year (2/quarter) + 4 international visits per year with Priority Pass.
Evaluate whether this card's perks and waiver threshold justify its ₹4,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Shoppers Stop Black HDFC Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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Rewards: 5 Reward Points per ₹200 spent
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Forex markup: 2% Low Forex
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Rewards: 5 Reward Points per ₹150 spent
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Forex markup: 2% Low Forex
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Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
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Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
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Renewal fee waived on ₹2,00,000 annual spend
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