The HDFC Bank Shoppers Stop Credit Card is a co-branded shopping and lifestyle credit card range designed for customers who frequently shop at Shoppers Stop and spend on fashion, lifestyle, travel, and everyday purchases. HDFC Bank offers two variants: HDFC Bank Shoppers Stop Card and HDFC Bank Shoppers Stop BLACK Card. These HDFC credit cards offer reward points on Shoppers Stop and non-Shoppers Stop spends, welcome vouchers, membership benefits, weekend shopping rewards, fuel surcharge waiver, SmartEMI, contactless payments, and digital card controls through MyCards.
Overview of HDFC Bank Shoppers Stop Credit Card Variants
The table below compares the two HDFC Bank Shoppers Stop Credit Card variants.
| Card Variant | Best Suited For | Key Benefit | Annual Fee |
| HDFC Bank Shoppers Stop Card | Regular Shoppers Stop customers | 3% Reward Points and Silver Edge membership | ₹299 + taxes |
| HDFC Bank Shoppers Stop BLACK Card | Premium shoppers and high spenders | 7% Reward Points, BLACK membership, and lounge access | ₹4,500 + taxes |
HDFC Bank Shoppers Stop Credit Card Variants
HDFC Bank offers two Shoppers Stop Credit Card variants with different reward rates, fees, eligibility criteria, and lifestyle benefits.
HDFC Bank Shoppers Stop Card
The HDFC Bank Shoppers Stop Card is a shopping-focused credit card designed for regular Shoppers Stop customers. It offers reward points on Shoppers Stop purchases, a welcome voucher, complimentary Silver Edge membership, weekend shopping benefits, fuel surcharge waiver, and SmartEMI facility.
| Feature | Details |
| Card Type | Shopping and Lifestyle Credit Card |
| Best Suited For | Regular Shoppers Stop customers |
| Shoppers Stop Rewards | 3% Reward Points on Shoppers Stop purchases |
| Other Spends | 1% Reward Points on non-Shoppers Stop spends |
| Welcome Benefit | ₹500 Shoppers Stop voucher |
| Membership Benefit | Complimentary Shoppers Stop Silver Edge membership worth ₹350 |
| Weekend Benefit | Reward Points worth ₹500/month on a single weekend purchase of ₹15,000 or above |
| Fuel Benefit | 1% fuel surcharge waiver |
| Interest-Free Period | Up to 50 days |
| SmartEMI | Available |
| Annual Fee | ₹299 + applicable taxes |
Also Read: HDFC Millennia Credit Card
HDFC Bank Shoppers Stop BLACK Card
The HDFC Bank Shoppers Stop BLACK Card is a premium shopping and lifestyle card for high-value shoppers. It offers higher rewards, complimentary BLACK membership, premium welcome benefits, domestic and international lounge access, and insurance protection.
| Feature | Details |
| Card Type | Premium Shopping and Lifestyle Credit Card |
| Best Suited For | Premium shoppers and high spenders |
| Shoppers Stop Rewards | 7% Reward Points on Shoppers Stop purchases |
| Other Spends | 2% Reward Points on non-Shoppers Stop spends |
| Welcome Benefit | ₹1,500 Shoppers Stop voucher |
| Membership Benefit | Complimentary Shoppers Stop BLACK membership worth ₹4,500 |
| Weekend Benefit | Reward Points worth ₹2,000/month on single weekend purchase of ₹50,000 or above |
| Lounge Access | 16 domestic and 8 international lounge visits annually |
| Insurance Benefits | Air accident, overseas hospitalisation, and credit liability cover |
| Fuel Benefit | 1% fuel surcharge waiver |
| Annual Fee | ₹4,500 + applicable taxes |
Also Read: HDFC Moneyback Credit Card
Eligibility Criteria for HDFC Bank Shoppers Stop Credit Card
Eligibility depends on the selected variant, applicant age, income profile, credit history, and HDFC Bank’s internal policies.
| Criteria | Shoppers Stop Card | Shoppers Stop BLACK Card |
| Salaried Age | 21–60 years | 21–60 years |
| Self-employed Age | 21–65 years | 21–65 years |
| Salaried Income | ₹20,000/month | ₹70,000/month |
| Self-employed Income | ITR above ₹6 lakh/year | Annual income above ₹8.4 lakh |
Applicants should also have a stable income source, valid KYC documents, and a satisfactory credit profile.
Documents Required for HDFC Bank Shoppers Stop Credit Card
Applicants generally need KYC, address, and income documents while applying for either variant.
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving Licence.
- Address Proof: Utility bill, rental agreement, passport, Aadhaar Card, voter ID, or bank statement.
- Income Proof for Salaried Applicants: Salary slips, Form 16, or bank statements.
- Income Proof for Self-Employed Applicants: ITR, business proof, and bank statements.
- Photographs: Recent passport-size photographs.
Fees and Charges of HDFC Bank Shoppers Stop Credit Card
Fees vary depending on whether you choose the standard Shoppers Stop Card or the premium BLACK variant.
| Variant | Joining Fee | Renewal Fee | Key Charges |
| HDFC Bank Shoppers Stop Card | ₹299 + taxes | ₹299 + taxes | 1% rental fee from 2nd rental transaction/month; 1% DCC markup |
| HDFC Bank Shoppers Stop BLACK Card | ₹4,500 + taxes | ₹4,500 + taxes | 1% rental fee from 2nd rental transaction/month; 1% DCC markup; ₹99 reward redemption fee |
Also Read: HDFC Freedom Credit Card
Features and Benefits of HDFC Bank Shoppers Stop Credit Card
These cards offer rewards, shopping benefits, a fuel surcharge waiver, travel privileges, and digital card management.
Shoppers Stop Reward Points
| Variant | Shoppers Stop Spends | Other Spends |
| Shoppers Stop Card | 3% Reward Points | 1% Reward Points |
| Shoppers Stop BLACK Card | 7% Reward Points | 2% Reward Points |
Welcome Vouchers and Membership Benefits
| Variant | Welcome Benefit | Membership Benefit |
| Shoppers Stop Card | ₹500 welcome voucher | Silver Edge membership worth ₹350 |
| Shoppers Stop BLACK Card | ₹1,500 welcome voucher | BLACK membership worth ₹4,500 |
Weekend Shopping Benefits
| Variant | Weekend Benefit |
| Shoppers Stop Card | Reward Points worth ₹500/month on ₹15,000+ single weekend purchase |
| Shoppers Stop BLACK Card | Reward Points worth ₹2,000/month on ₹50,000+ single weekend purchase |
Lounge Access
The Shoppers Stop BLACK Card offers premium travel benefits with 16 domestic lounge visits and 8 international lounge visits annually.
Also Read: HDFC Rupay Credit Card
Insurance Benefits
The Shoppers Stop BLACK Card includes:
- ₹3 crore accidental air death cover
- ₹50 lakh emergency overseas hospitalisation cover
- ₹9 lakh credit liability cover
Fuel Surcharge Waiver
Both variants offer a 1% fuel surcharge waiver at fuel stations in India. The BLACK variant offers waiver up to ₹500 per cycle.
Reward Redemption
Reward Points are valid for 2 years and can be redeemed for Shoppers Stop vouchers at 1 Reward Point = ₹1.
SmartEMI Facility
Cardholders can convert large purchases into EMIs with repayment tenure ranging from 9 to 36 months, subject to HDFC Bank terms.
Contactless Payments
Both cards support contactless payments for faster checkout. In India, contactless transactions up to ₹5,000 generally do not require PIN entry.
Zero Lost Card Liability
Cardholders get protection against fraudulent transactions if the loss or misuse is reported immediately to HDFC Bank’s 24-hour call centre.
HDFC Bank Shoppers Stop Card vs HDFC Shoppers Stop BLACK Card
Compare both variants to choose the right Shoppers Stop HDFC Bank Credit Card.
| Feature | Shoppers Stop Card | Shoppers Stop BLACK Card |
| Best For | Regular Shoppers Stop customers | Premium shoppers and high spenders |
| Annual Fee | ₹299 + taxes | ₹4,500 + taxes |
| Shoppers Stop Rewards | 3% | 7% |
| Other Spends | 1% | 2% |
| Membership Benefit | Silver Edge membership is worth ₹350 | BLACK membership is worth ₹4,500 |
| Welcome Voucher | ₹500 | ₹1,500 |
| Weekend Benefit | ₹500/month reward value | ₹2,000/month reward value |
| Lounge Access | Not specified | 16 domestic + 8 international visits/year |
| Insurance Benefits | Zero lost card liability | ₹3 crore air accident, ₹50 lakh overseas hospitalisation, ₹9 lakh credit liability |
| Reward Redemption | 1 RP = ₹1 for Shoppers Stop vouchers | 1 RP = ₹1 for Shoppers Stop vouchers |
| Ideal User | Everyday lifestyle shopper | High-value shopper and traveler |
Also Read: Marriott Bonvoy Credit Card
How to Apply for HDFC Bank Shoppers Stop Credit Card
Eligible customers can apply online, through Shoppers Stop channels, or by visiting an HDFC Bank branch.
- Visit the official HDFC Bank credit card page or Shoppers Stop website/app.
- Select Shoppers Stop Card or Shoppers Stop BLACK Card.
- Click Apply Now.
- Enter mobile number and date of birth or PAN.
- Verify identity using OTP.
- Fill in personal, employment, and income details.
- Upload documents if required.
- Complete Video KYC if applicable.
- Submit the application for verification.
Track HDFC Bank Shoppers Stop Credit Card Application Status
Applicants can track their card application using HDFC Bank’s online tracking service.
- Visit the HDFC Bank credit card tracking page.
- Enter your application reference number or registered mobile number.
- Complete OTP verification.
- Submit the details.
- Check the latest application status.
The status may show as received, under review, approved, dispatched, or rejected.
HDFC Bank Shoppers Stop Credit Card Customer Care
Customers can contact HDFC Bank through phone, chat, branch, and digital card management channels.
| Service | Contact Details |
| Phone Support | 1800 1600 / 1800 2600 |
| Chat Support | HDFC Bank website or app |
| Email Support | customerservices.cards@hdfcbank.com |
Also Read: HDFC Diners Club Privilege Credit Card
Which HDFC Bank Shoppers Stop Credit Card Should You Choose?
Choose the HDFC Bank Shoppers Stop Card if you want a low annual fee, regular Shoppers Stop rewards, a welcome voucher, Silver Edge membership, and basic lifestyle benefits.
Choose the HDFC Bank Shoppers Stop BLACK Card if you are a premium shopper who wants higher rewards, BLACK membership, airport lounge access, and insurance coverage.
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
Scan to download now
