Dynamic currency conversion Markup Fee: With effect from 20th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Shoppers Stop BLACK
HDFC Bank
Annual fee
₹4,500
Joining fee
₹4500
Earns more
2Airport lounge access
More from the issuer 11
Visit limits and reset periods
16 domestic lounge accesses (4 per quarter) and 8 international lounge accesses (2 per quarter) per calendar year. source ↗
2.7 Lounge Access Get16 complimentary domestic lounge access per calendar year (4 per quarter) to check the List of Lounges. 8 complimentary international lounge access per calendar year (2 per quarter) , for the list of lounges available for the Complimentary Domestic Airport Lounge Access Program from 13th August, 2022. source ↗
Any accompanying guests shall be charged at the prevailing retail lounge visit rates, which is currently US$ 27.00 and which may be changed by Priority Pass Limited from time to time.
Spend and eligibility
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. source ↗
How to enter
Admittance to lounges is conditional upon presentation of a valid Priority Pass Card only and the HDFC Bank Credit Card would not be accepted on behalf of the Priority Pass Card.
Admittance to lounges are subject to the Cardmember holding a valid ticket of travel on the same day in an airline flying out of the airport in which the lounge is present.
Primary, add-on and guests
The lounge access is subject to the terms and conditions of PriorityPass and can be changed from time to time. HDFC Bank reserves the right to withdraw the feature at any time with due notice to the Cardmember. Accompanying children are subject to full guest fees unless otherwise stated in the lounge listing. Participating lounges may reserve the right to fix a maximum stay policy to avoid overcrowding. The following is in total discretion of the lounge operator. Participating 17 source ↗
lounges are not obligated to announce flights, neither HDFC Bank Ltd. or Priority Pass group of companies shall be held responsible for direct and indirect loss arising through the Cardmember or their guests failing to board the aircraft on time.
Admittance into lounges is subject to members and guests behaving and dressing in an orderly and correct manner.
Where access works
HDFC Bank or Priority Pass are not responsible for the nonavailability or loss arising due to non-availability of lounge or associated services.
Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.
Check HDFC Bank's current card page
Points
Make the most of this card
Keep the rewards you earn
21st Jan Flights Ticket booking 6000 120 2% Reward Points Category 24th Jan Purchase on Shoppers Stop 15,000 Weekend benefit can be availed once in a Store/online on a weekend month and RP for 7% category has hit the upper limit for the month 31th Jan Reversal on Electronics -52,000 -250 Reward Points earned on 15th Jan will be reversed Total 96000 4180
Benefits
4Conditions apply — read the clause.
Earns, up to a limit
2The normal rate, until a ceiling in the terms.
capped at 1000 points per month per customer
Earns nothing
11Spend here and the terms say you earn no rewards.
Terms disagree
1Two clauses say different things. We are not guessing which one applies.
Earns the normal rate
1Dated changes
2Dates the terms name for something changing.
Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied
Every line above is read from HDFC Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.