HDFC Bank
Signature · Shoppers Stop Black
Shoppers Stop Black HDFC Bank Credit Card
HDFC Bank
Premium shopping with up to 7% cashback at Shoppers Stop
Annual Fee
₹4,500
Joining Fee
₹4,500
Reward Rate
2.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹14,690
Total Annual Benefits
₹20,000
Total Annual Charges
₹5,310
ROI
277%
Fee Waiver Available
Annual fee waived on spending ₹4 Lakh in the preceding year — ₹4,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (4)
Shoppers Stop Premium Cashback
7% cashback on all purchases at Shoppers Stop stores and online
- • Valid at Shoppers Stop stores and online
7% cashback
VIP Sale Access
Priority access to Shoppers Stop sales with exclusive early-bird discounts
- • During Shoppers Stop sale events
VIP access
₹5,000/yr
Personal Shopping Assistance
Complimentary personal shopping assistant at select Shoppers Stop stores
- • Available at select Shoppers Stop flagship stores
Included
Complimentary Alterations
Free basic alterations on purchases at Shoppers Stop
- • Basic alterations only
- • Within 30 days of purchase
Free alterations
₹2,000/yr
Cashback Benefits (1)
All Other Spends
2% cashback on all other retail purchases
2% cashback
Reward Program
Program
Shoppers Stop Black Cashback
7% on Shoppers Stop, 2% other
Effective cashback: 2.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Shoppers Stop
7x multiplier
7% cashback at Shoppers Stop
Milestone Bonuses
₹2,000 Shoppers Stop voucher on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
₹2,000 SS Voucher
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹4,500 Excluding GST |
| Annual Fee | ₹4,500 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹75,000
- Min. Annual Income
- ₹9,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹75,000
- • Self-Employed: ITR > ₹9 Lakh p.a.
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹4,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Metal card Add-on cards available EMI conversion facility Shoppers Stop First Citizen VIP integration Priority sale access Complimentary alterations
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Shoppers Stop Black HDFC Bank Credit Card is a premium co-branded credit card offering 7% cashback on all Shoppers Stop purchases and 2% on all ot...
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