Shoppers Stop Black HDFC Bank Credit Card: Features & Apply

Summary

The Shoppers Stop Black HDFC Bank Credit Card is an upscale co-branded credit card offered by HDFC Bank in partnership with Shoppers Stop, India’s prominent retail chain. It is specifically designed for regular shoppers at Shoppers Stop and those who are interested in having extra rewards, special benefits, and lifestyle privileges.

One of the notable features of this card is the First Citizen Black Membership, which is free. The membership guarantees priority in utilizing Shoppers Stop offers, priority services, and additional reward points earned. Cardmembers get 10 reward points for each ₹100 spent at Shoppers Stop, thus being very rewarding for regular shoppers.

Besides shopping benefits, the card also offers lounge access at some Indian airports, restaurant savings at dining partner restaurants, and up to ₹250 fuel surcharge refund per month. The card is contactless payment-enabled and allows EMI options for high-value spending, thus becoming an ideal option for everyday and high-end spending.

Introduction

Shopping has become a way of life these days. Shopping for clothes, gadgets, beauty products, or household items, we do it by visiting our favorite malls or through online portals. For all the shopaholics out there at Shoppers Stop, there is some welcome news! India’s best bank, HDFC Bank, has collaborated with Shoppers Stop to introduce the high-end credit card Shoppers Stop Black HDFC Bank Credit Card. The credit card is specifically meant for frequent Shoppers Stop shoppers who desire more benefits, cost savings, and an optimal shopping experience.

The Shoppers Stop Black HDFC Credit Card is not a run-of-the-mill credit card – it’s a lifestyle card with high-end privileges. Be it special reward points or extra discounts, first crack at sale, and personalized offers, this card is full of offerings that make shopping delightful and rewarding. If you occasionally shop at Shoppers Stop, this card is designed for you.

One of the most remarkable advantages of this credit card is that it awards you First Citizen Black Membership of Shoppers Stop. That means that you get VIP treatment, quicker reward points, and services with privileged entry. With every purchase made through this card at Shoppers Stop outlets or the Shoppers Stop website, you earn reward points. You can subsequently use these points to avail discounts or purchase new products.

Besides shopping, this credit card has lifestyle rewards like airport lounge privileges, restaurant rewards, and fuel surcharge exemptions. If you fly, eat out with family or friends, or gas up your vehicle, this card helps you save money in multiple ways. This is also a good card for individuals who would like to spend money wisely and utilize luxury services.

What is the Shoppers Stop Black HDFC Bank Credit Card?

The Shoppers Stop Black HDFC Credit Card is a unique credit card created by HDFC Bank in partnership with Shoppers Stop, India’s leading retail store. This card is for those who patronize Shoppers Stop and desire to receive extra rewards while shopping. Shopping with this card will reward you points on every purchase, which will be redeemed afterwards to utilize discounts or even purchase products.

You also get a First Citizen Black Membership of Shoppers Stop with this card, providing you with advance sale privilege, special offers, and personalized service. Apart from shopping, this card offers privileges like airport lounge access, restaurant discounts, and a fuel surcharge waiver. It is a great choice for people who want a fashionable and functional card that rewards them every time they shop.

What is the design of the Shoppers Stop Black HDFC Bank Credit Card?

The Shoppers Stop Black HDFC Credit Card has a rich and smooth finish that represents the premium status of the card. The card is predominantly of black color, representing sophistication and uniqueness. This card prominently has the two brands’ logos representing the two brand partners’ alignment.

The card also features the contactless payment sign, which reflects its ability to make fast and secure payments. The card’s design is minimalist but elegant, which will appeal to customers who adore both the form and the function of credit cards.

What are the benefits of the Shoppers Stop Black HDFC Bank Credit Card?

The following are the major benefits explained in simple language:

1. Enormous Shopping Benefits

• You get 10 First Citizen Reward Points for every ₹100 spent in Shoppers Stop (offline as well as online).

• You can redeem these points to get a discount or buy products from Shoppers Stop.

2. Free First Citizen Black Membership

• You get Shoppers Stop’s best membership free of cost through this card.

• This means you receive instant reward points, priority service, and preview and special sale privileges.

3. Airport Lounge Access

• Enjoy complimentary airport lounge access at certain Indian airports.

• A valuable feature for someone who is a frequent traveler and wishes to de-stress in comfort before a flight.

4. Restaurant Discounts

• Get partner restaurant discounts at select restaurants in India.

• Dine well and save cash with friends or family.

5. Fuel Charge Exemption

• If you purchase petrol or diesel through this card, you get a waiver on the fuel surcharge (up to ₹250 per month).

• This saves fuel expenditure in the long run.

6. Contactless Payment

• The card supports contactless payment, so you just need to tap and pay rather than swipe.

• It’s quick, safe, and convenient.

7. Easy EMI Options

• Big spends can be converted into easy monthly installments (EMI) with this card.

• This makes you worry-free about managing big bills.

8. Online & Mobile Access

• You can easily manage your card through HDFC Bank’s mobile app or internet banking.

• See rewards, pay bills, or monitor spending anywhere, anytime.

9. Welcome Benefits

• New card members usually receive special welcome benefits, such as bonus reward points or exclusive vouchers (which may vary according to ongoing offers).

What are the fees for the Shoppers Stop Black HDFC Bank Credit Card?

Here is a simple Shoppers Stop Black HDFC Credit Card fee breakup.

Joining Fee	₹4,500 plus GST
Annual Fee	₹4,500 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Shoppers Stop Black HDFC Bank Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get a Shoppers Stop Black HDFC Bank Credit Card?

The documents that you will have to submit to Get a Shoppers Stop Black HDFC Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Shoppers Stop Black HDFC Bank Credit Card be used?

Here is the list of places where you can use it:

• With the Shoppers Stop Black HDFC Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Shoppers Stop Black HDFC Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Shoppers Stop Black HDFC Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Shoppers Stop Black HDFC Bank Credit Card?

The credit limit of the Shoppers Stop Black HDFC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for a Shoppers Stop Black HDFC Bank Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Shoppers Stop Black HDFC Credit Card.

• Just hover your cursor on the Shoppers Stop Black HDFC Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the Shoppers Stop Black HDFC Bank Credit Card.

• Request for the credit card application form for the Shoppers Stop Black HDFC Bank Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Shoppers Stop Black HDFC Bank Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Shoppers Stop Black HDFC Bank Credit Card in 2025 be right?

Yes, the Shoppers Stop Black HDFC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempt if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The Shoppers Stop Black HDFC Credit Card is a premium credit card made specifically for the customers of Shoppers Stop and the indulgent shoppers who love going around shopping. It’s not just any credit card—it’s more of a lifestyle card that provides a great deal of added benefits. Ranging from earning greater reward points on all of your Shoppers Stop transactions to enjoying First Citizen Black Membership, this card makes shopping even more rewarding.

The most salient aspect of this Credit card is the reward scheme. You earn 10 reward points for each ₹100 spent at Shoppers Stop. These points are redeemed and subsequently utilized to make further purchases without incurring any extra expenses in the future. In the long term, this could amount to considerable savings if you make frequent purchases.

This credit card also has airport lounge access, which is a great benefit for frequent travelers. Just imagine this—relaxing in a plush lounge before you take your flight—that too, without paying anything! Add to this the discounts on eating out, fuel surcharge waiver, and the ease of contactless payment, which makes your day-to-day life easy and convenient.

Frequently Asked Questions (FAQ’s)