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

Shoppers Stop Black HDFC Bank Credit Card – exclusive shopping discounts, reward points, and premium perks
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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.

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Fees And Charge Table

Card Essential

 Type:- SHOPPING CARD

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 Welcome Benefits:-  Voucher + Black membership
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Joining Fee:-  ₹4,500 + GST
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  Annual Fee:-  ₹4,500 + GST 
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 Reward Structure:- Rewards on shopping.
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Renewal Benefit:- Renewal Fees will be levied every year.
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 Interest Rate:- 3.75% per month (i.e., 45% per annum)
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 Forex Mark-up:- 3.50% + TAXS
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 Cash Advance Charges:- 2.5% or ₹500 Whichever is higher
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 Over Limit Charges:- 2.5% of overlimit amount, minimum of ₹550 
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 Wallet Transactions  Charges:- 1% + GST
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Rental Transactions  Charges:- 1% + GST 
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 Utility Transactions  Charges:- 1% + GST
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 Education Fee Payment Charges:-1% + GST
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Railway Surcharge:- 1% + GST
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 Fuel Surcharge:- 1% 

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.

CDMS EXPERT ADVICE

This card works best for loyal Shoppers Stop customers who already have high, planned spends and can justify the premium fee. Use it for genuine needs, not to chase rewards or cashback. Limit yourself to two cards, pay in full every month, and if debt feels heavy, seek CDMS support to regain control.

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.
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Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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