Skip to content
OnePaisa — Smart Finance for India
Credit Cards
Shoppers Stop BLACK Credit Card credit card
LifestylePremiumVisa✦ Shoppers Stop

Shoppers Stop BLACK Credit Card

Premium rewards without the annual fee burden

Annual feeSee fee details
Rewards2% Reward Points on every non-Shoppers Stop purchase
Forex markup1%
Apply NowCheck Eligibility →
Secure · Free · No spam calls

Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Welcome benefits

worth ₹1,500

Shoppers Stop voucher worth ₹1500

Type
Voucher
Trigger
Transaction
Partner
Shoppers Stop

Rewards

Base earn rate

2% Reward Points on every non-Shoppers Stop purchase

Excludes: Shoppers Stop

CategoryDetails
Shoppers Stop7% Reward Points on every Shoppers Stop purchase

Redemption options

Product Catalogue:₹0.35 per pointCash Back:₹0.20 per pointAirmiles:₹0.50 per pointUnified SmartBuy (Flights/Hotels):₹0.50 per pointShoppers Stop vouchers:₹1 per point
  • • Reward Points are valid for 2 years.
  • • Redemption fee: ₹99

Milestone benefits

  • Reward Points worth ₹2,000 per month for a purchase of ₹50,000 or above on Shoppers Stop on weekends
  • Complimentary Shoppers Stop Black membership worth ₹4,500

Lounge access

Domestic

16visits / year

  • Max 4 per quarter
HDFC SmartBuy Lounge Program lounge programme →

International

Priority Pass

—complimentary visits

    Priority Pass lounge programme →

    Fees & charges

    Joining fee
    ₹4,500/- + Applicable Taxes
    Annual / renewal fee
    ₹4,500/- + Applicable Taxes
    Interest rate
    Infinia, Infinia (Metal Edition), Diners Black Metal Edition, Diners Black, BizBlack Metal Card: 1.99% per month (23.88% p.a.). All other variants: 3.75% per month (45.0% p.a.). w.e.f 1st August 2024.
    Interest-free period
    50 days
    Cash advance fee
    Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
    Overlimit fee
    2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
    Payment dishonour
    2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
    Forex markup
    1%
    DCC markup
    1%
    Rent payment fee
    1% (w.e.f. Jul 2025)
    Reward redemption
    ₹99 per redemption
    Fuel surcharge
    1% waiver, max ₹500/cycle

    Late payment

    Outstanding amountLate fee
    ₹0 – ₹100₹0
    ₹101 – ₹500₹100
    ₹501 – ₹1,000₹500
    ₹1,001 – ₹5,000₹600
    ₹5,001 – ₹10,000₹750
    ₹10,001 – ₹25,000₹900
    ₹25,001 – ₹50,000₹1,100
    Above ₹50,001₹1,300

    Insurance covers

    Air accident

    ₹300L

    Accidental air death cover worth ₹3 crore

    Fraud liability

    Protection against fraudulent transactions made on your Credit Card. Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

    Medical emergency

    ₹50L

    Credit liability

    ₹9L

    Eligibility

    Income (salaried)
    Salaried - Income (Monthly): ₹70,000. Self Employed - Annual Income > ₹8,40,000
    Income (self-employed)
    ₹8.4L/year
    Age
    21–60 years

    Employment types

    SalariedSelf-Employed

    Required documents

    • Passport
    • Aadhaar card
    • Voter ID
    • Driving licence
    • PAN card
    • Passport size photograph
    • Utility bills (electricity, water, gas, or telephone)
    • Rental agreement
    • Salary slips (for salaried individuals)
    • Income Tax Returns (ITR)
    • Form 16
    • Bank statements

    Features

    ✓ Contactless✓ International usage✓ Emergency replacement

    Additional features

    • Credit Card Registration and Activation
    • Set up your Card PIN
    • Manage Card Controls like Online Spends, Contactless Transactions
    • View Transactions / Download e-Statements
    • Check Reward Points
    • Block/ Re-Issue Your Card

    No rewards on

    Rental · Government · Grocery (Capped At 1000 Points Per Month)

    Card management via MyCards.

    🎯 Not sure this card is right for you?

    Try our Card Finder — get personalized picks in 30 seconds.

    Find My Card →

    Explore related credit cards

    All HDFC Bank cards →Best Lounge Access Cards →Best Travel Cards →Best Forex Cards →

    Similar Credit Cards

    Browse all credit cards →
    VISA
    HDFC Bank logoHDFC Bank

    Solitaire Credit Card

    Joining₹500
    Annual₹500/yr
    Reward3 Reward Points for every ₹150 spent
    No longer offered

    HDFC Bank is no longer accepting applications for this card.

    VISA
    HDFC Bank logoHDFC Bank

    Regalia Activ Credit Card

    Joining₹2.5K
    Annual₹2.5K/yr
    Reward1%Assumes 1 RP = ₹0.5 via SmartBuy flight & hotel bookings (issuer's marketed primary redemption path); travel redemption capped at max 70% of booking value and 50,000 RP per calendar month via SmartBuy; other paths lower (catalogue ₹0.35, cashback ₹0.20, airmiles up to 0.5/RP)
    No longer offered

    HDFC Bank is no longer accepting applications for this card.

    📖 Guides about this card

    🔧 Useful tools