HDFC Shoppers Stop Black Card Review 2026: Fees & 7% Rewards
Get 7% rewards at Shoppers Stop, 24 annual lounge visits, and a ₹50,000 fee waiver with the HDFC Shoppers Stop Black Credit Card. Read our expert review.
The Shoppers Stop Black HDFC Bank Credit Card is a powerhouse for retail therapy, offering an effective 7% return on brand spends. Its standout feature is the generous lounge access quota paired with a surprisingly low fee waiver threshold, making it a high-value lifestyle card for moderate spenders.
Elevate your shopping experience with elite rewards and travel perks.
The Bottom Line
The Shoppers Stop Black HDFC Bank Credit Card is a powerhouse for retail therapy, offering an effective 7% return on brand spends. Its standout feature is the generous lounge access quota paired with a surprisingly low fee waiver threshold, making it a high-value lifestyle card for moderate spenders. With a ₹4,500 annual fee that is waived on ₹50,000 yearly spend, it offers 0% rewards on shoppers stop private labels and 16 domestic and 8 international lounge visits annu. For anyone researching shoppers stop black hdfc bank credit card, the verdict is simple: recommended.
It earns a base reward rate of 0.4% and stacks best when your spending lines up with Shoppers Stop Loyalists, Frequent Domestic Travelers. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealMaximum value is derived through 7% rewards and 1:1 voucher redemption at Shoppers Stop.
Offers 16 domestic lounge visits per year, which is superior to most cards in this price range.
Probably not for
SkipThe redemption value for statement credit is very low at ₹0.20 per point.
Is It Worth It For You?
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Reward Rates
Shoppers Stop Black HDFC Bank Credit Card offers 0.4% basic reward rate.
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Welcome Offer
{'brand': 'Shoppers Stop', 'value': 1500, 'condition': 'On first transaction'}
Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹8.4 Lakhs
- Min Credit Score: 720
- Salaried individuals must have a minimum monthly income of ₹70,000. Self-employed individuals must have an ITR of ₹8.4 Lakhs or above.
Exclusions & Terms
Fuel
Insurance
Wallet
Rent
Government
EMI
Cash Advances
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Frequently Asked Questions
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