Shoppers Stop Black HDFC Bank Credit Card
Joining Fee: ₹4,500 + GST
Renewal Fee: ₹4,500 + GST
Reward Type: Reward Points
Welcome Benefit
Voucher Worth ₹1,500: Redeemable on a minimum purchase of ₹5,000 on all Private Label Brands at Shoppers Stop.
Rewards Rate
7% Reward Points: On every Shoppers Stop spend (capped at ₹2,000 per month).
2% Reward Points: On non-Shoppers Stop spends (capped at ₹2,000 per month).
Reward Redemption
Shoppers Stop Purchases: Reward Points can be redeemed for purchases at Shoppers Stop or online through their website, valued at ₹1 per point.
Non-Shoppers Stop Redemptions: Points can be redeemed as per HDFC Bank’s current redemption catalog.
Milestone Benefits
Weekend Spend Benefit: Earn ₹2,000 for a minimum purchase of ₹50,000 on Shoppers Stop over the weekend. This benefit is capped at once per month and a maximum of five times per year.
Travel Benefits
Domestic Lounge Access: 16 complimentary visits per year (maximum of 4 per quarter).
International Lounge Access: 8 complimentary visits per year (maximum of 2 per quarter).
Insurance Benefits
Emergency Hospitalization Coverage: Up to ₹50 Lakhs.
Accidental Air Death Cover: ₹3 Crores.
Credit Liability Cover: ₹9 Lakhs.
Finance & Forex Charges
Interest Rate: 3.6% per month (43.2% annually).
Foreign Currency Markup Fee: 3.5%.
Cash Advance Fee: 2.5% of the transaction amount or ₹500, whichever is higher.
The Shoppers Stop Black HDFC Credit Card is ideal for frequent shoppers at Shoppers Stop and its private label brands, offering generous rewards, extensive travel benefits, and significant insurance coverage.
Here's a detailed comparison table for the Shoppers Stop HDFC Credit Card and the Shoppers Stop Black HDFC Credit Card:
| Feature | Shoppers Stop HDFC Credit Card | Shoppers Stop Black HDFC Credit Card |
|---|---|---|
| Joining Fee | ₹299 + GST | ₹299 + GST |
| Renewal Fee | ₹299 + GST | ₹299 + GST |
| Best Suited For | Shopping | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefit | Voucher Worth ₹500: Redeemable on a minimum spend of ₹3,000 at Shoppers Stop stores. | Voucher Worth ₹1,500: Redeemable on a minimum purchase of ₹5,000 on all Private Label Brands at Shoppers Stop. |
| Milestone Benefits | Weekend Spend Benefit: Earn ₹500 for a minimum purchase of ₹15,000 at Shoppers Stop over the weekend, capped at once per month and a maximum of five times per year. | Weekend Spend Benefit: Earn ₹2,000 for a minimum purchase of ₹50,000 at Shoppers Stop over the weekend, capped at once per month and a maximum of five times per year. |
| Rewards Rate | 3% Reward Points on Shoppers Stop spends (capped at ₹500 per month), 1% Reward Points on non-Shoppers Stop spends (capped at ₹1,000 per month). | 7% Reward Points on Shoppers Stop spends (capped at ₹2,000 per month), 2% Reward Points on non-Shoppers Stop spends (capped at ₹2,000 per month). |
| Reward Redemption | Reward Points can be redeemed for purchases at Shoppers Stop or online through their website, or as per HDFC Bank’s current redemption catalog for non-Shoppers Stop purchases. | Reward Points can be redeemed for purchases at Shoppers Stop or online through their website, valued at ₹1 per point. Points can also be redeemed as per HDFC Bank’s current redemption catalog for non-Shoppers Stop purchases. |
| Domestic Lounge Access | Not applicable | 16 complimentary visits per year (maximum of 4 per quarter). |
| International Lounge Access | Not applicable | 8 complimentary visits per year (maximum of 2 per quarter). |
| Golf Benefits | Not applicable | Not applicable |
| Insurance Benefits | Not applicable | Emergency Hospitalization Coverage: Up to ₹50 Lakhs. Accidental Air Death Cover: ₹3 Crores. Credit Liability Cover: ₹9 Lakhs. |
| Interest Rate | 3.6% per month | 3.6% per month |
| Cash Advance Fee | 2.5% of the transaction amount or ₹500, whichever is higher | 2.5% of the transaction amount or ₹500, whichever is higher |
| Foreign Currency Markup Fee | 3.5% of the transaction amount | 3.5% of the transaction amount |
Summary
The Shoppers Stop Black HDFC Credit Card provides premium benefits for dedicated shoppers. Welcome benefits include a ₹1,500 voucher redeemable on a minimum purchase of ₹5,000 at Shoppers Stop’s Private Label Brands. Rewards feature 7% Reward Points on Shoppers Stop purchases (capped at ₹2,000 per month) and 2% Reward Points on other spends (capped at ₹2,000 per month). Points can be redeemed for Shoppers Stop purchases at ₹1 per point or through HDFC Bank’s redemption catalog for other options. Milestone benefits offer ₹2,000 for spending ₹50,000 at Shoppers Stop over the weekend, available up to five times per year. The card also includes 16 domestic lounge visits and 8 international lounge visits per year. Insurance benefits provide up to ₹50 lakhs for emergency hospitalization, ₹3 crores for accidental air death, and ₹9 lakhs for credit liability cover. It has an interest rate of 3.6% per month, a 3.5% foreign currency markup fee, and a 2.5% cash advance fee. This card is ideal for frequent shoppers seeking robust rewards, extensive travel perks, and comprehensive insurance coverage.