Shoppers Stop Black HDFC Credit Card

By: OurMoneyGuide || Last updated on: May 7, 2024

Shoppers Stop Black HDFC Credit Card is a co-brand credit card offered by HDFC Bank, in partnership with Shoppers Stop. This is the premium version of this co-brand partnership, and is the best card for those who shop frequently at Shoppers Stop.

Brief Summary

Features & Benefits of the Shoppers Stop Black HDFC Credit Card

7% reward on all Shoppers Stop purchases – on purchases upto ₹28570 per month

You earn 7 reward points worth ₹7, on every ₹100 you spend in this category.

This is valid only on spends upto ₹28,570 per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.

1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers. Reward points are valid for 2 years.

You can also redeem your reward points at a lower rate on the below options-
Product Catalogue : 1 reward point = upto ₹0.35
Airmiles : 1 reward point = upto 0.50 airmiles
Unified SmartBuy (Flights/Hotels) : 1 reward point = ₹0.50
Cashback : 1 reward point = ₹0.20

Upto 4% additional reward, through ‘weekend offer’ program – 5 times a year (maximum once per month)

For larger purchases, you should consider the weekend offer program.

You get ₹2000, when you spend ₹50,000 or more on a single purchase (total bill value) on a weekend. Weekend is defined as Friday, Saturday, Sunday.

You can avail this offer 5 times a year, maximum once a month.

2% reward on all other card purchases – on purchases upto ₹1 lakh per month

You earn 2 reward points worth ₹2, on every ₹100 you spend in this category.

This is valid on spends upto ₹1 lakh per month, since you can earn a maximum of 2000 reward points in this category, in your monthly card statement cycle.

1 reward point = ₹1, when you redeem your reward points for Shoppers Stop vouchers. Reward points are valid for 2 years.

Important points to note-
– Please note that no reward points are given on fuel purchases, wallet loads, rent & utility spends, purchase of jewellery/gold coins or equivalents, EMI transactions, card account fees and payment.
– You can earn a maximum of 1000 reward points on grocery purchases.

Complimentary visits to airport lounges in India (4 times per quarter) and abroad (2 times per quarter)

You can check the list of lounges and all other details by clicking here.

Fuel surcharge waiver, upto ₹500 per month

You get a 1% fuel surcharge waiver at all fuel stations, on fuel purchases upto ₹50,000 per month, since the maximum waiver amount is capped at ₹500 per monthly card statement cycle.

Complimentary insurance covers

You get free insurance covers-
– Accidental Air Death Cover worth ₹3 crores.
– Emergency Overseas Hospitalisation : In case of emergencies during overseas travel, the card offers coverage for emergency hospitalisation expenses up to ₹50 lakhs.
– Credit Liability Cover:  Credit liability cover of up to ₹9 lakhs

Upto 10% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get 5% – 10% cashback on various categories and at various partners, please see details in the table below.

You get a a maximum cashback of ₹1000 per month. For example, if you shop only in the 5% shopping categories/partners, you shall get 5% cashback on total card purchases of ₹20,000 per month.

Dining benefits (HDFC Swiggy Dineout Program) – 7.50% discount (upto ₹250 per order), twice a month

This offer is valid 2 times per month. Minimum order amount required to avail this offer is ₹2000. Payments need to be made through the Swiggy app. 

You get 7.50% discount (upto ₹250 per order) at restaurants. Hence you get a 7.50% discount on orders between ₹2000 and ₹3333. On orders above ₹3333, your discount percentage will fall below 7.50%. For more details, including how to avail the offer, please click here – HDFC Swiggy Dineout Dining Program.

Zero lost card liability

In case you misplace your Shoppers Stop Black HDFC Bank Credit Card, you can rest assured that your liability for any fraudulent transactions made on the card is completely eliminated.

By promptly reporting the loss to HDFC Bank’s 24-hour call centre, you will be protected from any unauthorized charges.

24/7 HDFC customer support available

Your bank is always available; please click here for all the options to contact the bank.

Eligibility Criteria

Application Process

Step-by-step guide –

Necessary documents and verification

Conclusion

The Shoppers Stop Black HDFC Bank Credit Card is a good card for heavy users/customers of Shoppers Stop since the reward rate on Shoppers Stop purchases is attractive, and the rewards one gets on non-Shoppers Stop purchases can only be redeemed at Shoppers Stop.

The card also gives complimentary airport lounge access.