Best Credit Card

All Benefits

  • 20 First Citizen points per ₹200 spent on private label brands at Shoppers Stop (unlimited)
  • 12 First Citizen points per ₹200 spent on beauty products and other brands at Shoppers Stop (unlimited)
  • 2 First Citizen points per ₹200 spent on all other eligible spends (unlimited)1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.
  • 15% instant discount on EazyDiner on orders above ₹2,500, up

Fees

Joining Fee Shoppers Stop voucher worth ₹1,500 on any transaction at Shoppers Stop.
₹5,310
₹4,500 + GST
Annual Fee The annual fee is not waived under any spending conditions.
₹5,310
₹4,500 + GST

Eligibility

Age
21-60 years
Salary
₹70K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% railway ticket purchase fee applies.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment A cash payment fee of ₹100 is applicable, when card bill is paid using cash at HDFC Bank branches.
₹100

Late Payment Charges

Amount dueFee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹5,000₹600
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹900
₹25,001 – ₹50,000₹1,100
₹50,000+₹1,300

Late payment charges on the HDFC Shoppers Stop Black Credit Card depend on the total outstanding balance. No fee is charged for balances up to ₹100. A nominal fee is charged for balances between ₹101 and ₹500. As the outstanding amount increases, the late fee progressively rises, with moderate fees for mid-range balances and higher fees for large outstanding dues, going up to a maximum penalty for balances exceeding ₹50,000.

No Rewards On

FuelInsuranceDCC (Dynamic Currency Conversion) transactionsInternational transactions

Excluded Spends

FuelInsuranceDCC (Dynamic Currency Conversion)Gold and JewelryCash WithdrawalsEMIBalance Transfer

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.

Full charges and terms: Bank MITC / Terms