Shoppers Stop Black Credit Card

What's in store for you?

Shoppers Stop Savings Calculator (Black)

Experience shopping like never before.

More benefits than ever before

Welcome Benefits

  • Shoppers Stop voucher worth ₹1500 as welcome benefit on any transaction at Shoppers Stop

Shopping Benefits

  • 7% Reward Points on every Shoppers Stop purchase and 2% Reward Points on every non-Shoppers Stop purchase

Lounge Benefits

  • 16 domestic lounge accesses (4 per quarter) and 8 international lounge accesses (2 per quarter) per calendar year.

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Additional Benefits

Wondering if you are eligible?

Salaried

  • Nationality: Indian
  • Age: 21 – 60 years
  • Income (Monthly): ₹70,000

Self Employed

  • Nationality: Indian
  • Age: 21 – 65 years
  • Annual Income > ₹8,40,000
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Save big every year—just like countless Shoppers Stop Black HDFC Bank Credit Card holders.

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Shoppers Stop Black Credit Card

Documents required to get you started

Identity Proof

  • Passport
  • Aadhaar card
  • Voter ID
  • Driving licence
  • PAN card
  • Passport size photograph

Address Proof

  • Utility bills (electricity, water, gas, or telephone)
  • Rental agreement
  • Passport
  • Aadhaar card
  • Voter ID

Income Proof

  • Salary slips (for salaried individuals)
  • Income Tax Returns (ITR)
  • Form 16
  • Bank statements

Apply Now in 3 Easy Steps:

The Steps are:

  • Step 1 - Provide & validate your Phone Number & Date of Birth/PAN
  • Step 2 - Confirm your details
  • Step 3 - Select your Card
  • Step 3 - Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

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Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160

    • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management and Control

Fees & Charges

  • Joining/Renewal Membership Fee – ₹4,500/- + Applicable Taxes

Click here to view details of the Shoppers Stop Black HDFC Bank Credit Card Fees and Charges.

Card Reward and Redemption Program

Card Reward and Redemption

  • Redeem Reward Points on NetBanking where 1 Reward point = 1 Rupee when redeemed against Shoppers Stop vouchers.
  • For other options please refer the table below:
Avenue of Redemption 1 Reward Point Value
Product Catalogue 0.35
Cash Back 0.2
Airmiles Up to 0.5
Unified SmartBuy (Flights/Hotels) 0.5
Card Reward and Redemption Program

Redemption Limit (From January 1, 2023)

  • Accrual of Reward Points on Grocery Spends capped at 1000 points per month per customer.
  • No Reward Points accrual on spends made on Rental and Government category payments.
  • 1% Fees to be charged on Rental transactions - from the 2nd rental transaction done every calendar month.
  • 1% Mark-Up charges to be applied on all International DCC transactions.
Redemption Limit (From January 1, 2023)

Reward Points Validity

  • Reward Points are valid for 2 years.

Click here, for further details on the process to redeem Reward Points

Reward Points Validity

Smart EMI

  • You have the option to convert big spends into SmartEMI, after purchases on your Shoppers Stop Black HDFC Bank Credit Card.
  • Enjoy attractive interest rates and conveniently repay over 9 to 36 months.
  • Get credit into your HDFC Bank Account in seconds.
  • The loan is pre-approved so no documentation is required.
Contactless Payment

Zero Lost Card Liability

  • Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre.
Zero Cost Card Liability

Revolving Credit

The Shoppers Stop Black HDFC Bank Credit Card offers revolving credit at a nominal interest rate. 

  • Revolving credit allows you to use a line of credit up to a specified limit without a fixed number of payments. 

  • You have the flexibility to use the funds as needed and only pay interest on the amount used. 

  • This facility ensures continuous access to funds, making it a valuable emergency cash reserve for unexpected financial challenges.  

Revolving Credit

Card Control via MyCards

MyCards, a mobile-based service platform for all Credit Card needs, facilitates convenient activation and management of IndianOil HDFC Bank Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.

  • Credit Card Registration and Activation
  • Set up Card PIN 
  • Manage card controls like online spends, contactless transactions
  • View Transactions/Download e-statements
  • Check Reward Points
  • Block/Re-issue card
  • Apply for an Add-on Card, manage, set PIN and card controls for Add-on card
Revolving Credit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
  • Click here for product specific T&C
  • Click here for Card Member Agreement Details
  • Click here to access all important links related to your Credit Card.
  • Important update: Please Click here to view the revisions in T&C's of your HDFC Bank credit card applicable with effect from 1st Aug'2024
  • Important Update: Please click here to view the new product and feature related information applicable with effect from Mar 1, 2024.
Revolving Credit

Application Channels

You can choose any of the following easy options to apply for your HDFC Bank Credit Card:

  • 1. Website
    You can quickly apply online by clicking here.
  • 2. NetBanking
    If you're an existing HDFC Bank customer, simply log in to NetBanking and apply from the ‘Cards’ section.
  • 3. HDFC Bank Branch
    Prefer a face-to-face interaction? Just visit your nearest branch and our staff will help you with the application.
Revolving Credit

Value Chart for Customers

Shoppers Stop Credit Card- Value Chart

Reward Point Categories Spends Category Average Monthly Spends Annual Spends Annual Savings
7% Back as Reward Points for Spends in Shoppers Stop SS spends 10000 120000 8400
SS welcome voucher - - 1500
SS Black membership - - 4500
Weekend offer* 50000 250000 16500
Total 60000 370000 30900
  Total savings on Shoppers Stop Spends     8.4%
2% Back as Reward Points on All other spends Includes Groceries, Hotel and flights, Dining etc 20000 240000 2400
Total savings on all other spends     1.00%
1% Fuel Surcharge Waiver (500/ statement cycle) Fuel 5000 60000 600
Complimentary Airport Lounge Access
(16 Domestic/ 8 International lounge access per annum)		 Lounge     26400
TOTAL   85000 670000 60300
Overall Savings Potential       9.00%

Now save 9% and more on your annual spends using Shoppers Stop HDFC Bank Credit card

*Assuming annual SS spends includes 5 weekend visits (Once in a month five times in a year), bill value should be >=50k

**Assuming standard market rates for Lounge access

**Spends are indicative and may vary for different customers

Card Reward and Redemption Program

Frequently Asked Questions

Shoppers Stop Black HDFC Bank Credit Card is a premium lifestyle perks offering Credit Card that offers exclusive fashion rewards and benefits on your Shoppers Stop and non-Shoppers Stop spends.

The card offers 7% Reward points on every Shoppers Stop spend, 2% Reward points on every Non-Shoppers Stop spend, complimentary Shoppers Stop Black membership, lounge access, fuel surcharge waiver, premium benefits, smart EMI options, contactless payment, comprehensive insurance protection, and more.

The joining and renewal membership fee for Shoppers Stop Black Credit Card is ₹4,500 plus applicable taxes. Please check the fees and charges section for more details.

Membership Fee: ₹4,500 + applicable taxes

You can swipe or tap (in certain cases) your Shoppers Stop Black HDFC Bank Credit Card in any place. Here are some instances:   

  • Shopping: Maximise the Reward Points by using the card for shopping at Shoppers Stop stores.  

  • Pay for Fuel: Use the card to pay for fuel and enjoy a 1% fuel waiver of up to ₹500, across all fuel stations in India. 

  • Contactless Payments: Leverage the convenience of contactless payments for transactions up to ₹5,000 at various retail outlets.

Apply for the Shoppers Stop Black HDFC Bank Credit Card online by checking eligibility above Submit the required documents, online or by visiting your nearest branch. Upon approval, get your new Shoppers Stop Black HDFC Bank Credit Card.

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