The Shoppers Stop Black HDFC Bank Credit Card is a Visa co-branded credit card issued by HDFC Bank in partnership with Shoppers Stop. It is the premium variant of the Shoppers Stop HDFC Bank credit card lineup.

• Co-branded with Shoppers Stop for maximum shopping rewards
• Includes complimentary First Citizen Black membership
• Earns First Citizen Points on all purchases
• Offers domestic and international airport lounge access
• Provides comprehensive insurance coverage including Rs 3 crore air accident cover

Earn 20 First Citizen Points per Rs 150 on Shoppers Stop private label brands (~8% reward rate) and 15 FC points per Rs 150 on other Shoppers Stop brands (~6%). Non-Shoppers Stop spends earn 5 FC points per Rs 150 (~2%). Shoppers Stop rewards are capped at 2,000 points per month per category.

First Citizen Black Membership

Get a complimentary Shoppers Stop First Citizen Black membership worth Rs 4,500 that includes 10% reward points on purchases, personal shopper services, no-queue billing, complimentary beauty services during birthday and anniversary months, and exclusive Black Day sale access.

Airport Lounge Access

Enjoy 16 complimentary domestic airport lounge visits per calendar year (maximum 4 per quarter) and 8 complimentary international airport lounge visits (maximum 2 per quarter).

Insurance Benefits

Comprehensive coverage including accidental air death cover up to Rs 3 crore, emergency overseas hospitalization up to Rs 50 lakh, and credit liability cover up to Rs 9 lakh.

Fuel Benefits

1% fuel surcharge waiver up to Rs 500 per statement cycle at all fuel stations across India.

• Shoppers Stop voucher worth Rs 1,500 on any transaction at Shoppers Stop (redeemable on minimum Rs 5,000 spend on Private Label brands)
• Complimentary Shoppers Stop First Citizen Black membership worth Rs 4,500 for as long as the card is active

Weekend Milestone Benefits

• Earn Reward Points worth Rs 2,000 for a single purchase of Rs 50,000 or above at Shoppers Stop on weekends (Friday to Sunday)
• Capped at once per month and maximum 5 times per year
• Total annual milestone benefit potential: Up to Rs 10,000

First Citizen Black Membership Benefits

• 10% First Citizen reward points on all Shoppers Stop purchases
• Personal shopper and no-queue billing
• Complimentary beauty service during birthday and anniversary months
• Annual Black Day exclusive sale access
• Doorstep delivery for purchases and alterations
• Parking fee reimbursement via reward points

The Shoppers Stop Black HDFC Bank Credit Card provides generous airport lounge access for a mid-range credit card.

• Domestic Lounge Access: 16 complimentary visits per calendar year, with a maximum of 4 visits per quarter
• International Lounge Access: 8 complimentary visits per calendar year, with a maximum of 2 visits per quarter

Lounge access is provided via card swipe at eligible domestic and international airport lounges.

The card uses First Citizen Points as its reward currency, linked to the Shoppers Stop loyalty program.

• Shoppers Stop Private Label Brands: 20 FC points per Rs 150 (~8% reward rate), capped at 2,000 points/month
• Other Shoppers Stop Brands: 15 FC points per Rs 150 (~6% reward rate), capped at 2,000 points/month
• Grocery Spends: 5 FC points per Rs 150 (~2%), capped at 1,000 points/month
• All Other Spends: 5 FC points per Rs 150 (~2%), no cap

Points are valid for 2 years from the date of accumulation.

Redemption Options

First Citizen Points can also be checked on the Shoppers Stop website or app under the My Profile section.

• Indian national
• Age: 21 to 60 years
• Net monthly income: Above Rs 70,000

For Self-Employed Individuals

• Indian national
• Age: 21 to 65 years
• Annual ITR: Above Rs 8,40,000

Credit Score

A CIBIL score of 700 or above is generally recommended for approval.

• PAN Card
• Aadhaar Card
• Voter ID Card
• Driving Licence
• Passport-size photograph

Address Proof (any one)

• Aadhaar Card
• Voter ID Card
• Driving Licence
• Passport
• Utility bills (electricity, water, gas, or telephone)
• Rental agreement

Income Proof

• Salaried: Salary slips for the last 3 months or bank statements for the last 6 months
• Self-Employed: Income Tax Return (ITR), Form 16

1. Visit the HDFC Bank credit cards page or click the Apply Now button
2. Provide and validate your phone number and date of birth/PAN
3. Confirm your personal details
4. Select the Shoppers Stop Black Credit Card
5. Upload required documents and complete video KYC if needed
6. Submit your application and wait for approval

Apply Offline

1. Visit your nearest HDFC Bank branch
2. Fill in the credit card application form
3. Submit identity proof, address proof, and income proof documents
4. The bank will process your application and issue the card upon approval

Apply via NetBanking

Existing HDFC Bank customers can log in to NetBanking and apply from the Cards section.

The Shoppers Stop Black HDFC Bank Credit Card is a niche co-branded card that delivers excellent value for dedicated Shoppers Stop customers. With up to 8% rewards on private label brands, a complimentary First Citizen Black membership, and 24 annual lounge visits, it packs impressive benefits for its fee bracket.

However, the card is best suited for those who regularly shop at Shoppers Stop. The high annual fee of Rs 4,500+GST without any spend-based waiver, combined with limited rewards on non-Shoppers Stop spends and extensive reward exclusions, makes it less attractive for general-purpose use. If you are a loyal Shoppers Stop customer spending Rs 10,000+ monthly at the brand, this card can deliver over 9% annual savings on your total spends.