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Credit CardsShoppers Stop Black HDFC Bank Credit Card
Shoppers Stop Black HDFC Bank Credit Card
byKshitiz V Sharmaon
The Bottom Line
Shoppers Stop Black HDFC Bank Credit Card
High Fee, Low Rewards
20 First Citizen Points / ₹150 on Shoppers Stop Private label brands, 15 First Citizen Points on all other Shoppers Stop brands and 5 First Citizen Points on on all other spends.
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.
We estimate this card has a net reward yield of 0.4-0.8% on spending above ₹50,000 with the card in a month, making it a low reward card for HDFC Bank customers.
Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.
It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.
If you spend less than ₹10,000 a month on your card, also consider the BharatCredit Card with a net reward yield of 1.9-2.4%.
If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
The Rewards
Card
Shoppers Stop Black HDFC Bank Credit Card
Card Type
Reward
Reward Features
20 First Citizen Points / ₹150 on Shoppers Stop Private label brands
15 First Citizen Points / ₹150 on all other Shoppers Stop brands
5 First Citizen Points / ₹150 on on all other spends except fuel and wallet
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.