Shoppers Stop Black HDFC Bank Credit Card Review

Author And Publisher: Gyro 3.o
29.07.2025 09:33 PM - Comment(s)

Shoppers Stop Black HDFC Bank Credit Card

Financial Expert Advice

  Choose Your First (or Next) Credit Card Wisely  


   "Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

 and lead to unnecessary debt. Focus on    stability & discipline."   


Shoppers Stop Black HDFC Bank Credit Card Review
"Rewarding Your Passion for Fashion"

Introduction

The Shoppers Stop Black HDFC Bank Credit Card is a co-branded premium credit card designed specifically for frequent shoppers at Shoppers Stop. It offers a range of exclusive benefits, including high reward points on Shoppers Stop spends, complimentary lounge access, and a free Shoppers Stop Black membership. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • Receive a Shoppers Stop voucher worth ₹1,500 as a welcome gift.
  • Complimentary Shoppers Stop Black membership worth ₹4,500, providing exclusive shopping benefits.

Reward Structure

  • Earn 7% reward points on every ₹150 spent at Shoppers Stop, with a monthly cap of ₹2,000.

  • Earn 2% reward points on non-Shoppers Stop spends, also capped at ₹2,000 per month.

Milestone Benefits

  • Earn ₹2,000 per month for a single purchase of ₹50,000 or more on Shoppers Stop over the weekend, capped at once per month and five times annually.

Travel Perks

  • Enjoy 16 complimentary domestic lounge visits annually, with a maximum of 4 visits per quarter.

  • Receive 8 complimentary international lounge visits annually, with a maximum of 2 visits per quarter.

Insurance Coverage

  • Accidental air death cover worth ₹3 crore.

  • Emergency overseas hospitalization cover of ₹50 lakh.

  • Credit liability cover of ₹9 lakh.

Fuel Surcharge Waiver

  • Get a 1% fuel surcharge waiver on transactions up to ₹500 per statement cycle.

Annual Fee

  • ₹4,500 + GST, with no waiver option.

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Card Essential

 TypeReward Points
 Welcome Benefits 
Get A ₹1,500 Shoppers Stop Welcome Voucher.
  Annual Fee₹4,500 + GST 
 Reward StructureRewards on shopping
 Renewal BenefitRenewal Fees will be levied every year.

Rewards and Benefits Analysis

The Shoppers Stop Black HDFC Bank Credit Card is ideal for frequent shoppers at Shoppers Stop, offering substantial rewards on these purchases. The complimentary lounge access and Shoppers Stop Black membership enhance its appeal for both shoppers and travelers.

Practical Considerations

While the card excels in shopping rewards, its benefits are limited for non-Shoppers Stop spends. Additionally, the high annual fee might deter casual users, but frequent shoppers can justify the cost through its exclusive benefits.

Redemption Options

Reward points can be redeemed at a 1:1 ratio against Shoppers Stop vouchers, providing direct value for frequent shoppers. Alternatively, points can be used for travel bookings or airmiles through HDFC SmartBuy at a lower redemption value.

Ideal User Profile

This card is best suited for

  • Frequent shoppers at Shoppers Stop.

  • Individuals who value premium shopping benefits and lounge access.

  • Those willing to pay a higher annual fee for exclusive rewards.

Final Thoughts

The Shoppers Stop Black HDFC Bank Credit Card offers a compelling package for loyal Shoppers Stop customers with its high reward rate and premium benefits. While it may not be ideal for everyone due to its high fee, frequent shoppers can maximize its value through its focused rewards and exclusive membership benefits.

Additional Tips for Potential Applicants

  • Eligibility: Ensure you meet the income requirements (70,000/month for salaried or 8.4 lakh/year ITR for self-employed).

  • Usage: Maximize spends at Shoppers Stop to get the most out of the rewards.

  • Redemption: Opt for Shoppers Stop vouchers for the best redemption value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the Shoppers Stop Black HDFC Bank Credit Card aligns with their

spending habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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