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HDFC Bank

HDFC Bank Shoppers Stop Black Credit Card

Source-traced to issuer Verified 2026-08-14
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Shoppers Stop Black Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹4,500.

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Annual / renewal fee

₹4,500.

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Fee waiver

Confirm on the official page

Rewards

Redemption value

  • Minimum amount required for cashback redemption: ₹500 (Shoppers Stop Black).
  • Reward Points valid only for 2 years from date of accumulation.
  • Rewards Redemption Fee: ₹99 per redemption request.
  • Cashback Redemption Charges: ₹50 per cashback redemption.

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Reward cap

Maximum reward points that can be earned in a statement cycle for Shoppers Stop Black is 15,000 (Fair Usage Policy as of Oct'23).

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Reward exclusion

Rent paymentsGovernment related transactions (except listed business cards)and EasyEMI/e-wallet loading transactions will not earn Reward Points. Insurance transactions capped at 2000 Reward Points per month for all other credit cards

Verified · mitc · 2026-08-14 · source

Travel & lounge

Lounge access

Confirm on the official page

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

Confirm on the official page

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher.
  • Finance charge: 3.75% per month (45% p.a.) on revolving credit and cash advances.
  • Over limit charges: 2.5% of overlimit amount subject to minimum of ₹550.
  • Payment Return Charges: 2% of payment amount subject to minimum of ₹450.
  • Cash Processing Fee: ₹100.
  • Rewards Redemption Fee: ₹99 per redemption request.
  • Cashback Redemption Charges: ₹50 per cashback redemption.
  • Balance Transfer Processing Charges: 1% of BT amount or ₹250 whichever is higher.
  • Duplicate physical statement charges: ₹10.
  • Reissue of Lost/Stolen/Damaged Card: ₹199 for non-metal cards, ₹3,500 for metal cards.
  • Add-on Card Fee: Lifetime Free.
  • Card Validation charges: ₹2.
  • Dynamic currency conversion Markup Fee (w.e.f 15th May 2026): 1.75%.
  • Rent Pay (w.e.f 1st July 2025): 1% capped at ₹4999 per transaction.
  • Fuel Charges: 1% on fuel transaction exceeding ₹15,000 (consumer) capped ₹4999.
  • Utility Charges: 1% on utility spends exceeding ₹50,000/calendar month (consumer) capped ₹4999.
  • Education Charges: 1% on third party app transactions capped ₹4999.
  • Online Skill based Gaming (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/calendar month capped ₹4999.
  • Wallet Loading (w.e.f 1st July 2025): 1% on spends exceeding ₹10,000/calendar month capped ₹4999.
  • Late Payment Charges by slab (w.e.f 1st August 24): <=₹100 Nil, ₹101-500 ₹100, ₹501-1000 ₹500, ₹1001-5000 ₹600, ₹5001-10000 ₹750, ₹10001-25000 ₹900, ₹25001-50000 ₹1100, >₹50000 ₹1300.

Verified · mitc · 2026-08-14 · source

Fuel surcharge waiver

  • 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000.
  • Maximum waiver of ₹500 per statement cycle.

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Interest-free period

The interest free credit period could range from 20 to 50 days subject to the scheme applicable on the specific Credit Card.

Verified · mitc · 2026-08-14 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Shoppers Stop Black Credit Card?

Officially traced: Rs. 4,500.

Shoppers Stop Black Credit Card product page

What is the joining fee on the Shoppers Stop Black Credit Card?

Officially traced: Rs. 4,500.

Shoppers Stop Black Credit Card product page

What are the transfer ratios for Shoppers Stop Black Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageShoppers Stop Black Credit Card product pagemitc

Official terms

https://www.hdfc.bank.in/credit-cards/shoppers-stop-black-credit-card/fees-and-charges.

Verified · Shoppers Stop Black Credit Card product page · 2026-08-14 · source

Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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